1406 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1406 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,504 sqft · built 1915
Lot Size	0.213 acres (9,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,000 (Mar 2014)
Tax Bill	$2,024 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142010`

Property Details

APN / Parcel Number

Primary APN	`963607142010`
Alternative APN	`64096360714201000`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	680 sqft
Basement Area	824 sqft
Finished Basement	300 sqft
Unfinished Basement	824 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Mansard
Roof Material	Composition Shingle
Lot Area	9,300 sqft (0.213 acres)
Lot Dimensions	150 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	40 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1406 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 62' OF W 150' 13 G & A 2ND
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 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 Record
Mailing Address	1406 2ND AVE E, SPENCER, IA 51301-4441
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Oct 21, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT
Dec 28, 2017	Deed of Trust, Mortgage · VA Mortgage ARIZONA BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2014 · Amount on Record
Deed Sale	Mar 4, 2014 · Amount on Record
Deed Document Number	2014526
Deed Book / Page	2014 / 526
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1406 2ND AVE E, SPENCER, IA 51301-4441
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3268
Date	Oct 19, 2021
Book Page	2021/3268
Instrument	2021 3268

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1406 2ND AVE E, SPENCER, IA 51301-4441
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3214
Date	Oct 21, 2020
Book Page	2020/3214
Instrument	2020 3214

Lender

Name	VILLAGE CAPITAL & INVESTMENT
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1406 2ND AVE E, SPENCER, IA 51301-4441
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 3441
Date	Dec 28, 2017
Book Page	2017/3441
Instrument	2017 3441

Lender

Name	ARIZONA BANK & TRUST
Type	Bank
Address	SCOTTSDALE, AZ 85260

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$2,024.00 (+9.05%) Homeowner's exemption	$166,620 (+12.34%) Land $25,300 Building $141,320	$166,620 (+12.34%) Land $25,300 Building $141,320
2024	$1,856.00 (-7.11%)
2023		$148,320 (+18.05%) Land $17,710 Building $130,610	$148,320 (+18.05%) Land $17,710 Building $130,610
2022	$1,998.00 Homeowner's exemption	$125,640 Land $17,710 Building $107,930
2021			$125,640 Land $17,710 Building $107,930

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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