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1312 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1312 2nd Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,062 sqft · built 1947
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on File
Last Sale$118,500 (Nov 2020)
Tax Bill$2,060 (2024)
Deeds & MortgagesApr 2023 Mortgage
Sep 2018 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN963607179007

Property Details

APN / Parcel Number

Primary APN963607179007
Alternative APN
  • 64096360717900700

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories1 Story
Building Area1,062 sqft Living Area
Basement Area1,062 sqft
Finished Basement875 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1947
Architectural StyleRanch
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeBlock
Roof TypeGable
Roof MaterialShingle
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeDetached
Garage Area264 sqft
Parking Spaces1 Parking Space
Deck Area140 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096360717900700
Street Address1312 2ND AVE E
CitySPENCER
StateIA
Zip51301-4426
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPENCER RESID
Legal Description9 KETCHAM'S SUBDIV.
Legal Range36
Legal Township17
Legal Section07
Legal SubdivisionKETCHAM SUBDIVISION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3028
Census Tract80200

Owner

Source: Clay County records · APN 963607179007

Assessment roll updated May 1, 2025 · Last verified October 2025

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

Owner of RecordIndividual Name on File
Mailing Address1312 2ND AVE E, SPENCER, IA 51301-4426
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 03, 2023Deed of Trust, Mortgage · Conventional Mortgage
CENTRAL BANK
Sep 20, 2018Deed of Trust, Mortgage
NOTHWEST BANK
Nov 02, 2020Warranty Deed, Transfer · Conventional Mortgage
CENTRAL BANK
Feb 23, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 02, 2020 · Amount on Record
Deed SaleNov 02, 2020 · Amount on Record
Prior SaleFeb 23, 2018 · Amount on Record
Deed Document Number2020 3384
Deed Book / Page2020 / 3384
Record UpdatedJun 08, 2026

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address1312 2ND AVE E, SPENCER, IA 51301-4426
Transaction TypeMortgage
Record UpdatedApr 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002023/544
DateApr 03, 2023
Book Page2023/544
Instrument2023 544
Lender
NameCENTRAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 01, 2043
Interest
Rate TypeAdjustable Rate
Rate7.75%
AdjustableAdjustable Rate Rider
Type Change DateMay 01, 2020
Change FrequencyAnnually
Min Rate At Change7.5%
Max Rate At Change9.75%
Index1-Year CMT
Margin4
Max Rate13.7%

September 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address1312 2ND AVE E, SPENCER, IA 51301-4426
Transaction TypeMortgage
Record UpdatedJun 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000002482
DateSep 20, 2018
Book Page0000002018/0000002482
Instrument000000002482
Lender
NameNOTHWEST BANK
Agreement
AmountAmount Recorded
Term352 Months
DueJan 01, 2048

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 02, 2020
Property Address1312 2ND AVE E, SPENCER, IA 51301-4426
Document Number2020/3384
Book / Page2020 / 3384
Instrument DateOct 29, 2020
Instrument2020 3384
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$188.80
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1312 2ND AVE E, SPENCER, IA 51301-4426

Mortgage

Document Number2020338520203385
DateNov 02, 2020
Instrument2020 338520203385
Lender
NameCENTRAL BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateFeb 23, 2018
Property Address1312 2ND AVE E, SPENCER, IA 51301-4426
Document Number2018/441
Book / Page2018 / 441
Instrument DateFeb 01, 2018
Instrument000000000441
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1312 2ND AVE E, SPENCER, IA 51301-4426

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$144,790 (+12.55%) Land $20,400 Building $124,390$144,790 (+12.55%) Land $20,400 Building $124,390
2024$2,060.00 (+6.4%)
2023$128,650 (+17.06%) Land $14,280 Building $114,370$128,650 (+17.06%) Land $14,280 Building $114,370
2022$1,936.00$109,900 Land $14,280 Building $95,620
2021$109,900 Land $14,280 Building $95,620

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spencer Municipal Communications Utility
Fiber		1,000 / 1,000
Mediacom Communications
Cable		1,000 / 50
AT&T
Fixed Wireless		100 / 20

May also be available: AMG Technology Investment Group, Verizon.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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