1321 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1321 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,450 sqft · built 1920
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Dec 2017)
Tax Bill	$2,424 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607178005`

Property Details

APN / Parcel Number

Primary APN	`963607178005`
Alternative APN	`64096360717800500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,450 sqft Living Area
1st Floor Area	676 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	70 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1321 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 17 CARLSEN'S SUB N 1/2 2 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1321 2ND AVE E, SPENCER, IA 51301-4427
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2017 · Amount on File
Deed Sale	Dec 12, 2017 · Amount on File
Prior Sale	Jun 24, 2005 · Amount on File
Deed Document Number	20173230
Deed Book / Page	2017 / 3230
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 12, 2017
Property Address	1321 2ND AVE E, SPENCER, IA 51301-4427
Document Number	2017/3230
Book / Page	2017 / 3230
Instrument Date	Nov 30, 2017
Instrument	2017 3230
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 2ND AVE E, SPENCER, IA 51301-4427

Mortgage

Document Number	2017/3231
Date	Dec 12, 2017
Book Page	2017/3231
Instrument	2017 3231

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 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	$2,424.00 (+5.94%) Homeowner's exemption	$169,210 (+10.47%) Land $30,000 Building $139,210	$169,210 (+10.47%) Land $30,000 Building $139,210
2024	$2,288.00 (+5.73%)
2023		$153,170 (+16.26%) Land $21,000 Building $132,170	$153,170 (+16.26%) Land $21,000 Building $132,170
2022	$2,164.00 Homeowner's exemption	$131,750 Land $21,000 Building $110,750
2021			$131,750 Land $21,000 Building $110,750

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	Low lower than 99.1% of the US · lower than 91% 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 326 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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