1706 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1706 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 1900
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$77,500 (Jul 2023)
Tax Bill	$2,528 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607128003`

Property Details

APN / Parcel Number

Primary APN	`963607128003`
Alternative APN	`64096360712800300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,276 sqft Living Area
1st Floor Area	512 sqft
Basement Area	764 sqft
Finished Basement	300 sqft
Unfinished Basement	764 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	168 sqft
Patio Area	246 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1706 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 1 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	3006
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	1706 1ST AVE E, SPENCER, IA 51301-4340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2023 · Amount on Record
Deed Sale	Jul 17, 2023 · Amount on Record
Prior Sale	May 9, 2022 · Amount on Record
Deed Document Number	20231509
Deed Book / Page	2023 / 1509
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 13, 2022
Property Address	1706 1ST AVE E, SPENCER, IA 51301-4340
Document Number	02022/3167
Book / Page	2022 / 3167
Instrument Date	Nov 26, 2022
Instrument	2022 3167
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.80
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 1ST AVE E, SPENCER, IA 51301-4340

Mortgage

Document Number	02022/3168
Date	Dec 13, 2022
Book Page	2022/3168
Instrument	2022 3168

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	11.5%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1706 1ST AVE E, SPENCER, IA 51301-4340
Transaction Type	Mortgage
Record Updated	Apr 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/777
Date	Mar 28, 2022
Book Page	2022/777
Instrument	2022 777

Lender

Name	SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,528.00 (+4.81%) Homeowner's exemption	$175,930 (+9.36%) Land $20,000 Building $155,930	$175,930 (+9.36%) Land $20,000 Building $155,930
2024	$2,412.00 (+45.48%)
2023		$160,870 (+70.87%) Land $16,000 Building $144,870	$160,870 (+70.87%) Land $16,000 Building $144,870
2022	$1,658.00	$94,150 Land $16,000 Building $78,150
2021			$94,150 Land $16,000 Building $78,150

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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