1504 7th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1504 7th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,244 sqft · built 1974
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on Record
Last Sale	$200,500 (Aug 2022)
Tax Bill	$3,626 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607229003`

Property Details

APN / Parcel Number

Primary APN	`963607229003`
Alternative APN	`64096360722900300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,244 sqft Living Area
Basement Area	1,244 sqft
Finished Basement	933 sqft
Unfinished Basement	311 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,500 sqft (0.218 acres)
Lot Dimensions	100 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1504 7TH AVE E
City	SPENCER
State	IA
Zip	51301-4609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 2 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	3023
Census Tract	80200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1504 7TH AVE E, SPENCER, IA 51301-4609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 19, 2022	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWEST FAMILTY LENDING CORP
Nov 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2022 · Amount on Record
Deed Sale	Aug 19, 2022 · Amount on Record
Prior Sale	Aug 3, 2021 · Amount on Record
Deed Document Number	20222177
Deed Book / Page	2022 / 2177
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1504 7TH AVE E, SPENCER, IA 51301-4609
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3266
Date	Oct 23, 2020
Book Page	2020/3266
Instrument	2020 3266

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 19, 2022
Property Address	1504 7TH AVE E, SPENCER, IA 51301-4609
Document Number	02022/2177
Book / Page	2022 / 2177
Instrument Date	Aug 9, 2022
Instrument	2022 2177
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1504 7TH AVE E, SPENCER, IA 51301-4609

Mortgage

Document Number	02022/2178
Date	Aug 19, 2022
Book Page	2022/2178
Instrument	2022 2178

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 3, 2021
Property Address	1504 7TH AVE E, SPENCER, IA 51301-4609
Document Number	02021/2493
Book / Page	2021 / 2493
Instrument Date	Jul 29, 2021
Instrument	2021 2493
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.20
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
Address	1504 7TH AVE E, SPENCER, IA 51301-4609

Mortgage

Document Number	02021/2494
Date	Aug 3, 2021
Book Page	2021/2494
Instrument	2021 2494

Lender

Name	MIDWEST FAMILTY LENDING CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 20, 2019
Property Address	1504 7TH AVE E, SPENCER, IA 51301-4609
Document Number	02019/3103
Book / Page	2019 / 3103
Instrument Date	Nov 19, 2019
Instrument	3103
Transaction Type	Transfer
Record Updated	Sep 14, 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	1504 7TH AVE E, SPENCER, IA 51301-4609

Mortgage

Document Number	02019/3104
Date	Nov 20, 2019
Book Page	2019/3104
Instrument	3104

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,626.00 (+3.72%)	$236,790 (+8.41%) Land $33,440 Building $203,350	$236,790 (+8.41%) Land $33,440 Building $203,350
2024	$3,496.00 (+18.91%)
2023		$218,430 (+30.84%) Land $26,750 Building $191,680	$218,430 (+30.84%) Land $26,750 Building $191,680
2022	$2,940.00 Homeowner's exemption	$166,940 Land $26,750 Building $140,190
2021			$166,940 Land $26,750 Building $140,190

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.

Nearby Properties on 7th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures