1608 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1608 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,146 sqft · built 1945
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Apr 2019)
Tax Bill	$2,702 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607133010`

Property Details

APN / Parcel Number

Primary APN	`963607133010`
Alternative APN	`64096360713301000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	876 sqft
Basement Area	876 sqft
Finished Basement	600 sqft
Unfinished Basement	876 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	156 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1608 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 5 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, 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	1608 2ND AVE E, SPENCER, IA 51301-4445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 26, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2019 · Amount on Record
Deed Sale	Apr 26, 2019 · Amount on Record
Deed Document Number	20191003
Deed Book / Page	2019 / 1003
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1608 2ND AVE E, SPENCER, IA 51301-4445
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1541
Date	Jun 8, 2020
Book Page	2020/1541
Instrument	2020 1541

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 26, 2019
Property Address	1608 2ND AVE E, SPENCER, IA 51301-4445
Document Number	2019/1003
Book / Page	2019 / 1003
Instrument Date	Apr 23, 2019
Instrument	1003
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	832 LAKE ST, SPIRIT LAKE, IA 51360-1650

Mortgage

Document Number	02019/1004
Date	Apr 26, 2019
Book Page	2019/1004
Instrument	1004

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

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	$2,702.00 (+5.79%) Homeowner's exemption	$187,380 (+10.36%) Land $20,400 Building $166,980	$187,380 (+10.36%) Land $20,400 Building $166,980
2024	$2,554.00 (+8.5%)
2023		$169,790 (+19.18%) Land $14,280 Building $155,510	$169,790 (+19.18%) Land $14,280 Building $155,510
2022	$2,354.00 Homeowner's exemption	$142,470 Land $14,280 Building $128,190
2021			$142,470 Land $14,280 Building $128,190

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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