1308 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1308 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,048 sqft · built 1962
Lot Size	0.155 acres (6,750 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jun 2024)
Tax Bill	$2,596 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607253003`

Property Details

APN / Parcel Number

Primary APN	`963607253003`
Alternative APN	`64096360725300300`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	630 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,750 sqft (0.155 acres)
Lot Dimensions	90 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	344 sqft
Parking Spaces	1 Parking Space
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1308 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 4 FAIRVIEW PARK
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW PARK ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3025
Census Tract	80200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1308 5TH AVE E, SPENCER, IA 51301-4527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
May 22, 2017	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2024 · Amount on Record
Deed Sale	Jun 6, 2024 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	20241092
Deed Book / Page	2024 / 1092
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 22, 2020
Property Address	1308 5TH AVE E, SPENCER, IA 51301-4527
Document Number	02020/1345
Book / Page	2020 / 1345
Instrument Date	Apr 30, 2020
Instrument	2020 1345
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$188.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 5TH AVE E, SPENCER, IA 51301-4527

Mortgage

Document Number	02020/1346
Date	May 22, 2020
Book Page	2020/1346
Instrument	2020 1346

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 22, 2017
Property Address	1308 5TH AVE E, SPENCER, IA 51301-4527
Document Number	02017/1303
Book / Page	2017 / 1303
Instrument Date	May 19, 2017
Instrument	2017 1303
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1308 5TH AVE E, SPENCER, IA 51301-4527
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/1304
Date	May 22, 2017
Book Page	2017/1304
Instrument	1304

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$2,596.00 (+7.45%)	$169,540 (+12.36%) Land $24,900 Building $144,640	$169,540 (+12.36%) Land $24,900 Building $144,640
2024	$2,416.00 (+14.18%)
2023		$150,890 (+17.01%) Land $17,430 Building $133,460	$150,890 (+17.01%) Land $17,430 Building $133,460
2022	$2,116.00 Homeowner's exemption	$128,950 Land $17,430 Building $111,520
2021			$128,950 Land $17,430 Building $111,520

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	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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