1408 7th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1408 7th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,025 sqft · built 1960
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on Record
Last Sale	$106,000 (May 2020)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607230003`

Property Details

APN / Parcel Number

Primary APN	`963607230003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
Basement Area	1,025 sqft
Finished Basement	450 sqft
Unfinished Basement	1,025 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1408 7TH AVE E
City	SPENCER
State	IA
Zip	51301-4649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 4 3 FAIRVIEW PARK N 20' 5 3 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

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	Individual Name on Record
Mailing Address	1408 7TH AVE E, SPENCER, IA 51301-4649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
May 13, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Sale	Apr 25, 2013 · Amount on Record
Deed Document Number	20201232
Deed Book / Page	2020 / 1232
Prior Transfer Date	Feb 12, 2006
Prior Transfer Doc	02006/0467
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 26, 2022
Property Address	1408 7TH AVE E, SPENCER, IA 51301-4649
Document Number	02022/1357
Book / Page	2022 / 1357
Instrument Date	May 20, 2022
Instrument	2022 1357
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 7TH AVE E, SPENCER, IA 51301-4649

Mortgage

Document Number	02022/1358
Date	May 26, 2022
Book Page	2022/1358
Instrument	2022 1358

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 13, 2020
Property Address	1408 7TH AVE E, SPENCER, IA 51301-4649
Document Number	02020/1232
Book / Page	2020 / 1232
Instrument Date	May 4, 2020
Instrument	2020 1232
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$168.80
Amount Accuracy	Full Amount Stated
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	1408 7TH AVE E, SPENCER, IA 51301-4649

Mortgage

Document Number	02020/1233
Date	May 13, 2020
Book Page	2020/1233
Instrument	2020 1233

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

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	$2,298.00 (+6.49%) Homeowner's exemption	$160,960 (+11%) Land $22,530 Building $138,430	$160,960 (+11%) Land $22,530 Building $138,430
2024	$2,158.00 (+7.47%)
2023		$145,010 (+18.01%) Land $18,020 Building $126,990	$145,010 (+18.01%) Land $18,020 Building $126,990
2022	$2,008.00 Homeowner's exemption	$122,880 Land $18,020 Building $104,860
2021			$122,880 Land $18,020 Building $104,860

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 97% of the US · lower than 76% 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 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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