1705 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1705 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,757 sqft · built 1945
Lot Size	0.305 acres (13,300 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Nov 2021)
Tax Bill	$3,508 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2026 Sale + 7 more
Flood Zone	Zone X (minimal risk)
APN	`963607127007`

Property Details

APN / Parcel Number

Primary APN	`963607127007`
Alternative APN	`64096360712700700`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,757 sqft Living Area
1st Floor Area	901 sqft
Basement Area	901 sqft
Finished Basement	375 sqft
Unfinished Basement	901 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	Wood
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	13,300 sqft (0.305 acres)
Lot Dimensions	95 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1705 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 95' OF SE 2 G & A
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3007
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	1705 1ST AVE E, SPENCER, IA 51301-4341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK
Jan 16, 2026	Warranty Deed, Transfer
Oct 27, 2025	Legal Action/Court Order, Foreclosure
Oct 27, 2025	Legal Action/Court Order, Foreclosure
Oct 27, 2025	Legal Action/Court Order, Foreclosure
Oct 27, 2025	Legal Action/Court Order, Foreclosure
Nov 18, 2021	Warranty Deed, Transfer
Nov 18, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Nov 18, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2021 · Amount on Record
Deed Sale	Nov 18, 2021 · Amount on Record
Deed Document Number	20213619
Deed Book / Page	2021 / 3619
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jun 26, 2026
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	0000001535
Book / Page	2026 / 1535
Instrument Date	Jun 26, 2026
Instrument	20261535
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 9TH ST SW, SPENCER, IA 51301-5641

Mortgage

Document Number	0000001535,
Date	Jun 26, 2026
Book Page	2026/1535
Instrument	20261535

Lender

Name	FARMERS SAVINGS BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 16, 2026
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	002026/168
Book / Page	2026 / 168
Instrument Date	Dec 23, 2025
Instrument	2026 168
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Amount	Amount Recorded
Tax	$10.40
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

October 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2025
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02025/2546
Book / Page	2025 / 2546
Map Reference	DOC 934
Instrument Date	Oct 24, 2025
Instrument	2025 2546
Transaction Type	Foreclosure
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

October 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2025
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02025/2545
Book / Page	2025 / 2545
Instrument Date	Oct 24, 2025
Instrument	2025 2545
Transaction Type	Foreclosure
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

October 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2025
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02025/2540
Book / Page	2025 / 2540
Instrument Date	Oct 24, 2025
Instrument	2025 2540
Transaction Type	Foreclosure
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

October 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2025
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02025/2544
Book / Page	2025 / 2544
Instrument Date	Oct 24, 2025
Instrument	2025 2544
Transaction Type	Foreclosure
Record Updated	Feb 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 18, 2021
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02021/3619
Book / Page	2021 / 3619
Instrument Date	Nov 9, 2021
Instrument	2021 3619
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$291.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 18, 2021
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02021/3619
Book / Page	2021 / 3619
Instrument Date	Nov 9, 2021
Instrument	2021 3619
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

Mortgage

Document Number	0020213620
Date	Nov 18, 2021
Instrument	2021 3620

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 18, 2021
Property Address	1705 1ST AVE E, SPENCER, IA 51301-4341
Document Number	02021/3618
Book / Page	2021 / 3618
Instrument Date	Jun 5, 2018
Instrument	2021 3618
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

Amount	Amount Recorded
Tax	$255.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 1ST AVE E, SPENCER, IA 51301-4341

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	$3,508.00 (+3.91%) Homeowner's exemption	$239,980 (+8.55%) Land $38,530 Building $201,450	$239,980 (+8.55%) Land $38,530 Building $201,450
2024	$3,376.00 (+1.87%)
2023		$221,080 (+17.53%) Land $30,820 Building $190,260	$221,080 (+17.53%) Land $30,820 Building $190,260
2022	$3,314.00 Homeowner's exemption	$188,110 Land $30,820 Building $157,290
2021			$188,110 Land $30,820 Building $157,290

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 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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