Clay County property record for 1402 7th Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 925 sqft · built 1960 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,026 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607230004 |
| Primary APN | 963607230004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| Basement Area | 925 sqft |
| Finished Basement | 425 sqft |
| Unfinished Basement | 925 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 100 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
|---|---|
| Porch Area | 192 sqft |
| Deck Area | 80 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 1402 7TH AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4649 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 75' 5 3 FAIRVIEW PARK 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 | 3024 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607230004
Assessment roll updated September 30, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1402 7TH AVE E, SPENCER, IA 51301-4649 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| Jul 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| Jul 19, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Aug 04, 2025 |
| Transfer Doc | 02025/1833 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1402 7TH AVE E, SPENCER, IA 51301-4649 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02020/3944 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 2020/3944 |
| Instrument | 2020 3944 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1402 7TH AVE E, SPENCER, IA 51301-4649 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02020/2291 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 2020/2291 |
| Instrument | 2020 2291 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 19, 2019 |
| Property Address | 1402 7TH AVE E, SPENCER, IA 51301-4649 |
| Document Number | 02019/1857 |
| Book / Page | 2019 / 1857 |
| Instrument Date | Jul 17, 2019 |
| Instrument | 1857 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1402 7TH AVE E, SPENCER, IA 51301-4649 |
| Document Number | 02019/1858 |
|---|---|
| Date | Jul 19, 2019 |
| Book Page | 2019/1858 |
| Instrument | 1858 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $2,026.00 Homeowner's exemption | $164,590 (+9.4%) Land $26,400 Building $138,190 | $164,590 (+9.4%) Land $26,400 Building $138,190 |
| 2024 | $2,026.00 (-3.25%) | ||
| 2023 | $150,450 (+17.8%) Land $21,120 Building $129,330 | $150,450 (+17.8%) Land $21,120 Building $129,330 | |
| 2022 | $2,094.00 Homeowner's exemption | $127,720 Land $21,120 Building $106,600 | |
| 2021 | $127,720 Land $21,120 Building $106,600 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Communications Utility Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Based on FCC filings for 363 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 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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