1602 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1602 2nd Ave E, Spencer, IA 51301 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,353 sqft · built 1952
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Sep 2019)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607133012`

Property Details

APN / Parcel Number

Primary APN	`963607133012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,353 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	160 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	132 sqft
Deck Area	282 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	1602 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 150' OF S 1/2 6 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	3005
Census Tract	80200

Owner

Source: Clay County records · APN 963607133012

Assessment roll updated September 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1602 2ND AVE E, SPENCER, IA 51301-4445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Sep 09, 2019	Warranty Deed, Transfer · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 09, 2019 · Amount on Record
Deed Sale	Sep 09, 2019 · Amount on Record
Prior Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	20192359
Deed Book / Page	2019 / 2359
Prior Transfer Date	Sep 11, 2012
Prior Transfer Doc	2012/2809
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jul 16, 2026
Property Address	1602 2ND AVE E, SPENCER, IA 51301-4445
Document Number	0000001724
Book / Page	2026 / 1724
Instrument Date	Jul 10, 2026
Instrument	20261724
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1602 2ND AVE E, SPENCER, IA 51301-4445

Mortgage

Document Number	0000001724,
Date	Jul 16, 2026
Book Page	2026/1724
Instrument	20261724

Lender

Name	NORTHWEST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.52%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 09, 2019
Property Address	1602 2ND AVE E, SPENCER, IA 51301-4445
Document Number	2019/2359
Book / Page	2019 / 2359
Instrument Date	Aug 30, 2019
Instrument	2359
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1602 2ND AVE E, SPENCER, IA 51301-4445

Mortgage

Document Number	02019/2360
Date	Sep 09, 2019
Book Page	2019/2360
Instrument	2360

Lender

Name	NORTHWEST BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.6%
Type Change Date	Oct 01, 2024
Index	1-Year CMT

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,542.00 Homeowner's exemption	$185,590 (+9.84%) Land $20,400 Building $165,190	$185,590 (+9.84%) Land $20,400 Building $165,190
2024	$2,542.00 (+8.54%)
2023		$168,970 (+19.17%) Land $14,280 Building $154,690	$168,970 (+19.17%) Land $14,280 Building $154,690
2022	$2,342.00 Homeowner's exemption	$141,790 Land $14,280 Building $127,510
2021			$141,790 Land $14,280 Building $127,510

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 326 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group, LTD Broadband, Verizon, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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