1603 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1603 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 1940
Lot Size	0.236 acres (10,313 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2017)
Tax Bill	$2,544 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607132010`

Property Details

APN / Parcel Number

Primary APN	`963607132010`
Alternative APN	`64096360713201000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,972 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Architectural Style	Colonial
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Lot Area	10,313 sqft (0.236 acres)
Garage Type	Detached
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Patio Area	304 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360713201000
Street Address	1603 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	S 1/2 5 8 CARLSEN'S SUB 6 8 CARLSEN'S SUB
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	CARLSEN'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3009
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1603 2ND AVE E, SPENCER, IA 51301-4446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Oct 20, 2017	Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2017 · Amount on Record
Deed Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	0020172763
Deed Book / Page	2017 / 2763
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1603 2ND AVE E, SPENCER, IA 51301-4446
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3295
Date	Oct 27, 2020
Book Page	2020/3295
Instrument	2020 3295

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 1, 2045

Interest

Rate Type	Fixed Rate

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Oct 20, 2017
Property Address	1603 2ND AVE E, SPENCER, IA 51301-4446
Document Number	02017/2763
Book / Page	2017 / 2763
Instrument Date	Oct 16, 2017
Instrument	2017 2763
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	1603 2ND AVE E, SPENCER, IA 51301-4446

Mortgage

Document Number	02017/2764
Date	Oct 20, 2017
Book Page	2017/2764
Instrument	2017 2764

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$186,700 (+10.38%) Land $30,000 Building $156,700	$186,700 (+10.38%) Land $30,000 Building $156,700
2024	$2,544.00 (+7.34%)
2023		$169,150 (+17.91%) Land $21,000 Building $148,150	$169,150 (+17.91%) Land $21,000 Building $148,150
2022	$2,370.00 Homeowner's exemption	$143,460 Land $21,000 Building $122,460
2021			$143,460 Land $21,000 Building $122,460

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 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.

Nearby Properties on 2nd Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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