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1402 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1402 1st Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 947 sqft · built 1939
Lot Size0.16 acres (6,975 sqft)
OwnerIndividual Name on Record
Last Sale$127,000 (Nov 2025)
Tax Bill$1,730 (2025)
Deeds & MortgagesOct 2024 Construction Loan
Nov 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607141005

Property Details

APN / Parcel Number

Primary APN963607141005
Alternative APN
  • 64096360714100500

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area947 sqft Living Area
Basement Area947 sqft
Finished Basement150 sqft
Unfinished Basement947 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1939
Effective Year BuiltEffective 1939
Architectural StyleCape Cod
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,975 sqft (0.16 acres)
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
Patio Area160 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address1402 1ST AVE E
CitySPENCER
StateIA
Zip51301-4334
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8 16 CARLSEN'S SUB
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCARLSEN'S SUBDIVISION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3083
Census Tract80200

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 RecordIndividual Name on Record
Mailing Address1402 1ST AVE E, SPENCER, IA 51301-4334
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

DateDocument
Oct 29, 2024Deed of Trust, Mortgage · Construction Mortgage
FARMERS TRUST & SAVINGS BANK
Nov 14, 2025Warranty Deed, Transfer · FHA Mortgage
NORTHWEST BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 14, 2025 · Amount on Record
Deed SaleNov 14, 2025 · Amount on Record
Prior SaleJan 19, 2007 · Amount on Record
Deed Document Number20252685
Deed Book / Page2025 / 2685
Record UpdatedOct 29, 2026

October 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address1402 1ST AVE E, SPENCER, IA 51301-4334
Transaction TypeMortgage
Record UpdatedDec 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02024/2357
DateOct 29, 2024
Book Page2024/2357
Instrument2024 2357
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
AddressSPENCER, IA 51301
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 14, 2025
Property Address1402 1ST AVE E, SPENCER, IA 51301-4334
Document Number02025/2685
Book / Page2025 / 2685
Instrument DateNov 6, 2025
Instrument2025 2685
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$202.40
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1402 1ST AVE E, SPENCER, IA 51301-4334

Mortgage

Document Number0020252686
DateNov 14, 2025
Instrument2025 2686
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,730.00 (+5.23%) Homeowner's exemption$138,500 (+9.43%) Land $20,000 Building $118,500$138,500 (+9.43%) Land $20,000 Building $118,500
2024$1,644.00 (-5.08%)
2023$126,570 (+18.14%) Land $16,000 Building $110,570$126,570 (+18.14%) Land $16,000 Building $110,570
2022$1,732.00 Homeowner's exemption$107,140 Land $16,000 Building $91,140
2021$107,140 Land $16,000 Building $91,140

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.1% of the US · lower than 91% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
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, 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

ProviderMax 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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