1605 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1605 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,490 sqft · built 1950
Lot Size	0.238 acres (10,388 sqft)
Owner	Individual Name on Record
Tax Bill	$2,392 (2025)
Deeds & Mortgages	May 2019 Refinance Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607132009`

Property Details

APN / Parcel Number

Primary APN	`963607132009`
Alternative APN	`64096360713200900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
1st Floor Area	962 sqft
Basement Area	962 sqft
Unfinished Basement	962 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,388 sqft (0.238 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	70 sqft
Patio Area	176 sqft
Shed	1 Shed
Shed Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1605 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4446
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 8 CARLSEN'S SUB N 1/2 5 8 CARLSEN'S SUB
Legal Range	36W
Legal Township	96N
Legal Section	7
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 1, 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 Record
Mailing Address	1605 2ND AVE E, SPENCER, IA 51301-4446
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS NATIONAL BANK
Apr 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1605 2ND AVE E, SPENCER, IA 51301-4446
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1191
Date	May 15, 2019
Book Page	2019/1191
Instrument	1191

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 28, 2023
Property Address	1605 2ND AVE E, SPENCER, IA 51301-4446
Document Number	002023/755
Book / Page	2023 / 755
Instrument Date	Apr 27, 2023
Instrument	2023 755
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 2ND AVE E, SPENCER, IA 51301-4446

Mortgage

Document Number	0002023756
Date	Apr 28, 2023
Instrument	2023 756

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

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	$2,392.00 (+8.04%) Homeowner's exemption	$167,150 (+12.57%) Land $30,000 Building $137,150	$167,150 (+12.57%) Land $30,000 Building $137,150
2024	$2,214.00 (-1.69%)
2023		$148,480 (+16.15%) Land $21,000 Building $127,480	$148,480 (+16.15%) Land $21,000 Building $127,480
2022	$2,252.00 Homeowner's exemption	$127,840 Land $21,000 Building $106,840
2021			$127,840 Land $21,000 Building $106,840

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.

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