17 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 17 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	478 sqft · built 1971
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on Record
Last Sale	$78,000 (Dec 2021)
Tax Bill	$1,166 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607384017`

Property Details

APN / Parcel Number

Primary APN	`963607384017`
Alternative APN	`68396360738401700`

Interior

Stories	1 Story
Building Area	478 sqft Gross Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	50 ft deep x 142 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	17 E 5TH ST
City	SPENCER
State	IA
Zip	51301-4022
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	8 27 1ST RY ADD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2010
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	Company Name on Record
Mailing Address	17 E 5TH ST, SPENCER, IA 51301-4022
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2017	Deed of Trust, Mortgage UNITED COMMUNITY BANK
Dec 3, 2021	Warranty Deed, Transfer · Commercial Mortgage NORTHWEST BANK
Sep 1, 2017	Warranty Deed, Transfer UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Deed Document Number	20213772
Deed Book / Page	2021 / 3772
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	17 E 5TH ST, SPENCER, IA 51301-4022
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2404
Date	Sep 7, 2017
Book Page	2017/2404
Instrument	2017 2404

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MILFORD, IA 51351

Agreement

Amount	Amount Recorded

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 3, 2021
Property Address	17 E 5TH ST, SPENCER, IA 51301-4022
Document Number	02021/3772
Book / Page	2021 / 3772
Instrument Date	Nov 5, 2021
Instrument	2021 3772
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17 E 5TH ST, SPENCER, IA 51301-4022

Mortgage

Document Number	0020213773
Date	Dec 3, 2021
Instrument	2021 3773

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 1, 2017
Property Address	17 E 5TH ST, SPENCER, IA 51301-4022
Document Number	02017/2356
Book / Page	2017 / 2356
Instrument Date	Aug 25, 2017
Instrument	2017 2356
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
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
Address	1007 18TH ST, SPIRIT LAKE, IA 51360-1013

Mortgage

Document Number	02017/2404
Date	Sep 7, 2017
Book Page	2017/2404
Instrument	2017 2404

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	MILFORD, IA 51351

Agreement

Amount	Amount Recorded

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	$1,166.00 (-25.16%)	$68,150 (-21.67%) Land $35,500 Building $32,650	$68,150 (-21.67%) Land $35,500 Building $32,650
2024	$1,558.00 (-4.88%)
2023		$87,000 (+5.24%) Land $61,340 Building $25,660	$87,000 (+5.24%) Land $61,340 Building $25,660
2022	$1,638.00	$82,670 Land $61,340 Building $21,330
2021			$82,670 Land $61,340 Building $21,330

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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 484 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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