1407 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1407 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 974 sqft · built 1949
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$121,000 (Sep 2019)
Tax Bill	$2,362 (2024)
Deeds & Mortgages	Oct 2017 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607207016`

Property Details

APN / Parcel Number

Primary APN	`963607207016`
Alternative APN	`64096360720701600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	974 sqft Living Area
1st Floor Area	672 sqft
Attic Area	302 sqft
Basement Area	672 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	72 sqft
Patio Area	96 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720701600
Street Address	1407 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	15 3 TRIPP
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3017
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1512 4TH AVE W, SPENCER, IA 51301-3418
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Oct 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Oct 16, 2017 · Amount on Record
Deed Document Number	2523
Deed Book / Page	2019 / 2523
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1407 5TH AVE E, SPENCER, IA 51301-4552
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2700
Date	Oct 16, 2017
Book Page	2017/2700
Instrument	2017 2700

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 25, 2019
Property Address	1407 5TH AVE E, SPENCER, IA 51301-4552
Document Number	02019/2523
Book / Page	2019 / 2523
Instrument Date	Sep 20, 2019
Instrument	2523
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1407 5TH AVE E, SPENCER, IA 51301-4552

Mortgage

Document Number	02019/2524
Date	Sep 25, 2019
Book Page	2019/2524
Instrument	2524

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 16, 2017
Property Address	1407 5TH AVE E, SPENCER, IA 51301-4552
Document Number	02017/2699
Book / Page	2017 / 2699
Instrument Date	Oct 13, 2017
Instrument	2017 2699
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Amount	Amount Recorded
Tax	$188.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1407 5TH AVE E, SPENCER, IA 51301-4552

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$165,770 (+12.4%) Land $24,480 Building $141,290	$165,770 (+12.4%) Land $24,480 Building $141,290
2024	$2,362.00 (+7.66%)
2023		$147,480 (+18.39%) Land $17,140 Building $130,340	$147,480 (+18.39%) Land $17,140 Building $130,340
2022	$2,194.00	$124,570 Land $17,140 Building $107,430
2021			$124,570 Land $17,140 Building $107,430

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 363 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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