16 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 16 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,000 sqft · built 1932
Lot Size	0.069 acres (3,000 sqft)
Owner	Company Name on File
Last Sale	$80,000 (Jun 2017)
Tax Bill	$2,814 (2025)
Deeds & Mortgages	Jul 2020 Sale Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607388010`

Property Details

APN / Parcel Number

Primary APN	`963607388010`
Alternative APN	`68396360738801000`

Interior

Stories	2 Stories
Building Area	6,000 sqft Gross Area
Basement Area	1,500 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Brick
Roof Material	Urethane Foam
Lot Area	3,000 sqft (0.069 acres)
Lot Dimensions	50 ft deep x 60 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	16 E 5TH ST
City	SPENCER
State	IA
Zip	51301-4021
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	W 60' 1 30 1ST RY W 60' 1 30 1ST RY
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2013
Census Tract	80200

Owner

16 E 5th St, a commercial property, is owned by a company that bought it in June 2017.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 124, SPENCER, IA 51301-0124
Owner Type	Company
Vesting	Company

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
Jul 21, 2020	Warranty Deed, Transfer
Jun 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2017 · Amount on File
Deed Sale	Jun 8, 2017 · Amount on File
Deed Document Number	20171496
Deed Book / Page	2017 / 1496
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 21, 2020
Property Address	16 E 5TH ST, SPENCER, IA 51301-4021
Document Number	02020/2164
Book / Page	2020 / 2164
Instrument Date	Jul 21, 2020
Instrument	2020 2164
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 W 4TH ST STE 209, 209, SPENCER, IA 51301-3858

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2017
Property Address	16 E 5TH ST, SPENCER, IA 51301-4021
Document Number	02017/1496
Book / Page	2017 / 1496
Instrument Date	May 8, 2017
Instrument	2017 1496
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 124, SPENCER, IA 51301-0124

Tax Assessment & Valuation

The 2025 property tax bill for 16 E 5th St was $2,814, up 21.9% 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	$2,814.00 (+21.92%)	$164,640 Land $15,000 Building $149,640	$164,640 Land $15,000 Building $149,640
2024	$2,308.00
2023		$128,930 (+15.59%) Land $25,920 Building $103,010	$128,930 Land $25,920 Building $103,010
2022	$2,208.00	$111,540 Land $25,920 Building $85,620
2021			$111,540 Land $25,920 Building $85,620

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

Flood

FEMA maps place 16 E 5th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 16 E 5th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 484 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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