Clay County property record for 1403 1st Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,617 sqft · built 1920 |
| Lot Size | 0.238 acres (10,350 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,404 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607139008 |
| Primary APN | 963607139008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,617 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Basement Area | 507 sqft |
| Unfinished Basement | 507 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,350 sqft (0.238 acres) |
| Garage Type | Detached |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 1403 1ST AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 1/2 5 15 CARLSEN'S SUB 6 15 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 | 3031 |
| Census Tract | 80200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the North Grand Avenue Residential Historic District listed 2014 · 97 contributing resources · NRIS 14000212 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
1403 1st Ave E, a single family home, is owned by an individual.
Source: Clay County records, as of September 3, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 821 27TH ST, SPIRIT LAKE, IA 51360-1141 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1403 1st Ave E was $3,404, up 7.2% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,404.00 (+7.25%) | $211,540 Land $30,000 Building $181,540 | $211,540 Land $30,000 Building $181,540 |
| 2024 | $3,174.00 | ||
| 2023 | $198,230 (+16.48%) Land $24,000 Building $174,230 | $198,230 Land $24,000 Building $174,230 | |
| 2022 | $2,998.00 | $170,190 Land $24,000 Building $146,190 | |
| 2021 | $170,190 Land $24,000 Building $146,190 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1403 1st Ave E in Zone X, an area of minimal flood risk.
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 risk around 1403 1st Ave E is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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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