1416 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1416 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 860 sqft · built 1940
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Jan 2022)
Tax Bill	$2,092 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142008`

Property Details

APN / Parcel Number

Primary APN	`963607142008`
Alternative APN	`64096360714200800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	860 sqft Living Area
Basement Area	860 sqft
Finished Basement	716 sqft
Unfinished Basement	860 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1416 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4441
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 150' OF S 1/2 OF 11 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

1416 2nd Ave E is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1416 2ND AVE E, SPENCER, IA 51301-4441
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
Jan 14, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jun 3, 2021	Warranty Deed, Transfer
Dec 26, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on File
Deed Sale	Jan 14, 2022 · Amount on File
Prior Sale	Jun 3, 2021 · Amount on File
Deed Document Number	2022141
Deed Book / Page	2022 / 141
Prior Transfer Date	Nov 17, 2017
Prior Transfer Doc	2017/3392
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 14, 2022
Property Address	1416 2ND AVE E, SPENCER, IA 51301-4441
Document Number	002022/141
Book / Page	2022 / 141
Instrument Date	Jan 11, 2022
Instrument	2022 0141
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	$232.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1416 2ND AVE E, SPENCER, IA 51301-4441

Mortgage

Document Number	002022/142
Date	Jan 14, 2022
Book Page	2022/142
Instrument	2022 0142

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 3, 2021
Property Address	1416 2ND AVE E, SPENCER, IA 51301-4441
Document Number	2021/1717
Book / Page	2021 / 1717
Instrument Date	May 17, 2021
Instrument	2021 1717
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$115.20
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	3195 180TH AVE, SPENCER, IA 51301-7506

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Dec 26, 2017
Property Address	1416 2ND AVE E, SPENCER, IA 51301-4441
Document Number	2017/3392
Book / Page	2017 / 3392
Instrument Date	Nov 17, 2017
Instrument	2017 3392
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1416 2ND AVE E, SPENCER, IA 51301-4441

Tax Assessment & Valuation

The 2025 property tax bill for 1416 2nd Ave E was $2,092 with a homeowner's exemption, up 6.7% 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	$2,092.00 (+6.73%) Homeowner's exemption	$147,500 Land $20,400 Building $127,100	$147,500 Land $20,400 Building $127,100
2024	$1,960.00
2023		$132,630 (+74.56%) Land $14,280 Building $118,350	$132,630 Land $14,280 Building $118,350
2022	$1,338.00	$75,980 Land $14,280 Building $61,700
2021			$75,980 Land $14,280 Building $61,700

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

Flood

FEMA maps place 1416 2nd 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 1416 2nd 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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