1320 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1320 2nd Ave E, Spencer, IA 51301 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 1,962 sqft · built 1947
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on File
Last Sale	$65,000 (Mar 2022)
Tax Bill	$1,380 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607179006`

Property Details

APN / Parcel Number

Primary APN	`963607179006`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,962 sqft Total Area
1st Floor Area	1,266 sqft
Attic	Attic
Attic Area	696 sqft
Basement Area	316 sqft
Unfinished Basement	316 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Patio Area	48 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1320 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4423
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	10 KETCHAM'S SUBDIV
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	KETCHAM SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3028
Census Tract	80200

Owner

Source: Clay County records · APN 963607179006

Assessment roll updated September 30, 2025 · Last verified August 2026

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

Owner of Record	Company Name on File
Mailing Address	3210 170TH AVE, EVERLY, IA 51338-7509
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2022	Warranty Deed, Transfer · Commercial Mortgage STATE BANK
Mar 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2022 · Amount on Record
Deed Sale	Mar 10, 2022 · Amount on Record
Deed Document Number	2022615
Deed Book / Page	2022 / 615
Prior Transfer Date	Mar 15, 2021
Prior Transfer Doc	0000000872
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 10, 2022
Property Address	1320 2ND AVE E, SPENCER, IA 51301-4423
Document Number	002022/615
Book / Page	2022 / 615
Instrument Date	Mar 10, 2022
Instrument	2022 615
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3210 170TH AVE, EVERLY, IA 51338-7509

Mortgage

Document Number	0002022616
Date	Mar 10, 2022
Instrument	2022 616

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Mar 19, 2021
Property Address	1320 2ND AVE E, SPENCER, IA 51301-4423
Document Number	2021/874
Book / Page	2021 / 874
Instrument Date	Mar 15, 2021
Instrument	2021 874
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1642 450TH ST, SIOUX RAPIDS, IA 50585-2006

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,380.00	$98,130 (+13.77%) Land $20,400 Building $77,730	$98,130 (+13.77%) Land $20,400 Building $77,730
2024	$1,380.00 (+5.02%)
2023		$86,250 (+15.59%) Land $14,280 Building $71,970	$86,250 (+15.59%) Land $14,280 Building $71,970
2022	$1,314.00	$74,620 Land $14,280 Building $60,340
2021			$74,620 Land $14,280 Building $60,340

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 451 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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