1701 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1701 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,632 sqft · built 1920
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Tax Bill	$870 (2024)
Deeds & Mortgages	Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607128009`

Property Details

APN / Parcel Number

Primary APN	`963607128009`
Alternative APN	`64096360712800900`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360712800900
Street Address	1701 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	6 1 CARLSEN'S SUB
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	CARLSEN'S SUBDIVISION
Legal Lot Number	6
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3006
Census Tract	80200

Owner

Source: Clay County records · APN 963607128009

Assessment roll updated May 1, 2025 · Last verified October 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 File
Mailing Address	1717 3RD AVE E, SPENCER, IA 51301-4456
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 31, 2014
Deed Sale	Dec 31, 2014
Deed Document Number	0000020158
Prior Transfer Date	Jan 19, 2007
Prior Transfer Doc	2007 0193
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1701 2ND AVE E, SPENCER, IA 51301-4448
Transaction Type	Mortgage
Record Updated	Sep 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2110
Date	Aug 14, 2019
Book Page	2019/2110
Instrument	2110

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$70,160 (+8.71%) Land $20,000 Building $50,160	$70,160 (+8.71%) Land $20,000 Building $50,160
2024	$870.00 (+1.64%)
2023		$64,540 (+12.32%) Land $14,000 Building $50,540	$64,540 (+12.32%) Land $14,000 Building $50,540
2022	$856.00 Homeowner's exemption	$57,460 Land $14,000 Building $43,460
2021			$57,460 Land $14,000 Building $43,460

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spencer Municipal Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

Based on FCC filings for 326 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA2171071, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.