1409 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1409 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,238 sqft · built 1920
Lot Size	0.234 acres (10,200 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,974 (2025)
Deeds & Mortgages	Jun 2018 Line of Credit Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607139007`

Property Details

APN / Parcel Number

Primary APN	`963607139007`
Alternative APN	`64096360713900700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,238 sqft Living Area
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

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	10,200 sqft (0.234 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	35 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1409 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 15 CARLSEN'S SUB N 1/2 5 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

Historic Designation

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.

Owner

1409 1st Ave E, a single family home, is owned by two individuals.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	801 E 4TH ST, SPENCER, IA 51301-5148
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY STATE BANK
Jun 18, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1409 1ST AVE E, SPENCER, IA 51301-4335
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001587
Date	Jun 18, 2018
Book Page	0000002018/0000001587
Instrument	000000001587

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	55 Months
Due	Jan 1, 2023

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 18, 2018
Property Address	1409 1ST AVE E, SPENCER, IA 51301-4335
Document Number	02018/1586
Book / Page	2018 / 1586
Instrument Date	Jun 14, 2018
Instrument	000000001586
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	801 E 4TH ST, SPENCER, IA 51301-5148

Tax Assessment & Valuation

The 2025 property tax bill for 1409 1st Ave E was $1,974, up 3.1% from the year before.

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	$1,974.00 (+3.13%)	$128,940 Land $29,700 Building $99,240	$128,940 Land $29,700 Building $99,240
2024	$1,914.00
2023		$119,550 (+14.74%) Land $23,760 Building $95,790	$119,550 Land $23,760 Building $95,790
2022	$1,836.00	$104,190 Land $23,760 Building $80,430
2021			$104,190 Land $23,760 Building $80,430

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1409 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

Wildfire risk around 1409 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.

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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