1409 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1409 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,110 sqft · built 1953
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$136,000 (Sep 2022)
Tax Bill	$2,562 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607207015`

Property Details

APN / Parcel Number

Primary APN	`963607207015`
Alternative APN	`64096360720701500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
1st Floor Area	1,035 sqft
Basement Area	1,035 sqft
Finished Basement	475 sqft
Unfinished Basement	1,035 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	466 sqft
Parking Spaces	2 Parking Spaces
Deck Area	40 sqft
Patio Area	220 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1409 5TH AVE E
City	SPENCER
State	IA
Zip	51301-4552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	16 3 TRIPP
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3017
Census Tract	80200

Owner

1409 5th Ave E is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1409 5TH AVE E, SPENCER, IA 51301-4552
Occupancy	Owner Occupied
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
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK
Apr 2, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Apr 2, 2021 · Amount on File
Deed Document Number	20222357
Deed Book / Page	2022 / 2357
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 2, 2022
Property Address	1409 5TH AVE E, SPENCER, IA 51301-4552
Document Number	02022/2357
Book / Page	2022 / 2357
Instrument Date	Sep 2, 2022
Instrument	2022 2357
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.80
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	1409 5TH AVE E, SPENCER, IA 51301-4552

Mortgage

Document Number	02022/2358
Date	Sep 2, 2022
Book Page	2022/2358
Instrument	2022 2358

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 2, 2021
Property Address	1409 5TH AVE E, SPENCER, IA 51301-4552
Document Number	02021/1004
Book / Page	2021 / 1004
Instrument Date	Mar 30, 2021
Instrument	2021 1004
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 5TH AVE E, SPENCER, IA 51301-4552

Mortgage

Document Number	2021100520211005
Date	Apr 2, 2021
Instrument	2021 100520211005

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1409 5th Ave E was $2,562, up 8% 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	$2,562.00 (+8.01%)	$167,270 Land $24,480 Building $142,790	$167,270 Land $24,480 Building $142,790
2024	$2,372.00
2023		$148,110 (+54.6%) Land $17,140 Building $130,970	$148,110 Land $17,140 Building $130,970
2022	$1,532.00 Homeowner's exemption	$95,800 Land $17,140 Building $78,660
2021			$95,800 Land $17,140 Building $78,660

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

Flood

FEMA maps place 1409 5th 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 5th 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 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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