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1603 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1603 1st Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 2,028 sqft · built 1940
Lot Size0.304 acres (13,250 sqft)
Owner2 Individual Names on Record
Last Sale$298,000 (Dec 2023)
Tax Bill$4,838 (2025)
Deeds & MortgagesDec 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607130008

Property Details

APN / Parcel Number

Primary APN963607130008
Alternative APN
  • 64096360713000800

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths3 Half Baths
Total Rooms12 Rooms
Stories1 Story
Building Area2,028 sqft Living Area
1st Floor Area792 sqft
Basement Area1,176 sqft
Finished Basement436 sqft
Unfinished Basement1,176 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Architectural StyleColonial
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area13,250 sqft (0.304 acres)
Garage TypeAttached
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area240 sqft
Deck Area224 sqft
Patio Area196 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address1603 1ST AVE E
CitySPENCER
StateIA
Zip51301-4339
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5-6 7 CARLSEN'S SUB
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCARLSEN'S SUBDIVISION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3011
Census Tract80200

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address1603 1ST AVE E, SPENCER, IA 51301-4339
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 5, 2023 · Amount on Record
Deed SaleDec 5, 2023 · Amount on Record
Prior SaleApr 3, 2014 · Amount on Record
Deed Document Number20232772
Prior Transfer DateMay 15, 2007
Prior Transfer Doc02007/1564
Record UpdatedOct 29, 2026

December 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateDec 5, 2023
Property Address1603 1ST AVE E, SPENCER, IA 51301-4339
Document Number02023/2772
Book / Page2023 / 2772
Instrument DateNov 27, 2023
Instrument2023 2772
Transaction TypeTransfer
Record UpdatedJan 24, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$476.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1603 1ST AVE E, SPENCER, IA 51301-4339

Mortgage

Document Number0020232773
DateDec 5, 2023
Instrument2023 2773
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2053

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,838.00 (+3.64%)$315,950 (+13.2%) Land $39,600 Building $276,350$315,950 (+13.2%) Land $39,600 Building $276,350
2024$4,668.00 (+17.11%)
2023$279,120 (+18.72%) Land $31,680 Building $247,440$279,120 (+18.72%) Land $31,680 Building $247,440
2022$3,986.00 Homeowner's exemption$235,110 Land $31,680 Building $203,430
2021$235,110 Land $31,680 Building $203,430

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.1% of the US · lower than 91% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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