1622 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1622 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,104 sqft · built 1937
Lot Size	0.161 acres (7,025 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Jun 2026)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607132001`

Property Details

APN / Parcel Number

Primary APN	`963607132001`
Alternative APN	`64096360713200100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,025 sqft (0.161 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1622 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 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

1622 1st Ave E is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	1622 1ST AVE E, SPENCER, IA 51301-4338
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jan 11, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jul 17, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Prior Sale	Jul 5, 2022 · Amount on File
Deed Document Number	20261345
Deed Book / Page	2026 / 1345
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 5, 2026
Property Address	1622 1ST AVE E, SPENCER, IA 51301-4338
Document Number	0000001345
Book / Page	2026 / 1345
Instrument Date	Jun 2, 2026
Instrument	20261345
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,199.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1622 1ST AVE E, SPENCER, IA 51301-4338

Mortgage

Document Number	0000001346,
Date	Jun 5, 2026
Instrument	20261346

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 11, 2024
Property Address	1622 1ST AVE E, SPENCER, IA 51301-4338
Document Number	0002024/61
Book / Page	2024 / 61
Instrument Date	Jan 2, 2024
Instrument	2024 61
Transaction Type	Transfer
Record Updated	Feb 23, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$264.00
Amount Accuracy	Rounded by County
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	1622 1ST AVE E, SPENCER, IA 51301-4338

Mortgage

Document Number	0000202462
Date	Jan 11, 2024
Instrument	2024 62

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 17, 2023
Property Address	1622 1ST AVE E, SPENCER, IA 51301-4338
Document Number	02023/1509
Book / Page	2023 / 1509
Instrument Date	Jul 12, 2023
Instrument	2023 1509
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Amount	Amount on Record
Tax	$123.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1653 ROSE AVE, ALLENDORF, IA 51354-7544
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1622 1st Ave E was $2,296 with a homeowner's exemption, up 3.5% from the year before.

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	$2,296.00 (+3.52%) Homeowner's exemption	$160,800 Land $20,000 Building $140,800	$160,800 Land $20,000 Building $140,800
2024	$2,218.00
2023		$105,970 (+17.54%) Land $16,000 Building $89,970	$105,970 Land $16,000 Building $89,970
2022	$1,588.00	$90,160 Land $16,000 Building $74,160
2021			$90,160 Land $16,000 Building $74,160

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

Flood

FEMA maps place 1622 1st Ave E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1622 1st Ave E is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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