1302 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1302 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,631 sqft · built 1930
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (May 2013)
Tax Bill	$1,840 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607178004`

Property Details

APN / Parcel Number

Primary APN	`963607178004`
Alternative APN	`64096360717800400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,631 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	1302 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4323
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 17 CARLSEN'S SUB S 1/2 8 17 CARLSEN'S SUB
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	CARLSEN'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3029
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1302 1ST AVE E, SPENCER, IA 51301-4323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2013 · Amount on Record
Deed Sale	May 16, 2013 · Amount on Record
Deed Document Number	20131587
Deed Book / Page	2013 / 1587
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jun 1, 2026
Property Address	1302 1ST AVE E, SPENCER, IA 51301-4323
Document Number	0000001279
Book / Page	2026 / 1279
Instrument Date	May 27, 2026
Instrument	20261279
Transaction Type	Mortgage
Record Updated	Jul 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 1ST AVE E, SPENCER, IA 51301-4323

Mortgage

Document Number	0000001279,
Date	Jun 1, 2026
Book Page	2026/1279
Instrument	20261279

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	May 14, 2026
Property Address	1302 1ST AVE E, SPENCER, IA 51301-4323
Document Number	0000001168
Book / Page	2026 / 1168
Instrument Date	Apr 23, 2026
Instrument	20261168
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 1ST AVE E, SPENCER, IA 51301-4323

Mortgage

Document Number	0000001168,
Date	May 14, 2026
Book Page	2026/1168
Instrument	20261168

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	20%
Max Rate	-1%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,840.00 (+17.8%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$167,470 (+8.1%) Land $30,000 Building $137,470	$167,470 (+8.1%) Land $30,000 Building $137,470
2024	$1,562.00 (-15.84%)
2023		$154,920 (+15.83%) Land $24,000 Building $130,920	$154,920 (+15.83%) Land $24,000 Building $130,920
2022	$1,856.00	$133,750 Land $24,000 Building $109,750
2021			$133,750 Land $24,000 Building $109,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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