1303 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1303 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 816 sqft · built 1956
Lot Size	0.14 acres (6,106 sqft)
Owner	Individual Name on Record
Last Sale	$151,500 (Mar 2023)
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607252012`

Property Details

APN / Parcel Number

Primary APN	`963607252012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
Basement Area	816 sqft
Finished Basement	416 sqft
Unfinished Basement	816 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	43 ft deep x 142 ft wide
Garage Type	Attached
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces
Deck Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1303 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 1 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3026
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	1315 4TH AVE W, SPENCER, IA 51301-3518
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 26, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage TRADITION MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Mar 26, 2020 · Amount on Record
Deed Document Number	2023445
Deed Book / Page	2023 / 445
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 21, 2023
Property Address	1303 5TH AVE E, SPENCER, IA 51301-4528
Document Number	002023/445
Book / Page	2023 / 445
Instrument Date	Mar 11, 2023
Instrument	2023 445
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$241.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 4TH AVE W, SPENCER, IA 51301-3518

Mortgage

Document Number	002023/446
Date	Mar 21, 2023
Book Page	2023/446
Instrument	2023 446

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 26, 2020
Property Address	1303 5TH AVE E, SPENCER, IA 51301-4528
Document Number	2020/773
Book / Page	2020 / 773
Instrument Date	Mar 20, 2020
Instrument	773
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 5TH AVE E, SPENCER, IA 51301-4528

Mortgage

Document Number	774
Date	Mar 26, 2020
Instrument	774

Lender

Name	TRADITION MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$2,478.00 (+6.08%)	$161,850 (+20.42%) Land $17,720 Building $144,130	$161,850 (+20.42%) Land $17,720 Building $144,130
2024	$2,336.00 (+25.73%)
2023		$134,400 (+17.59%) Land $12,410 Building $121,990	$134,400 (+17.59%) Land $12,410 Building $121,990
2022	$1,858.00 Homeowner's exemption	$114,300 Land $12,410 Building $101,890
2021			$114,300 Land $12,410 Building $101,890

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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