1708 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1708 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 900 sqft · built 1920
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$69,000 (Apr 2020)
Tax Bill	$1,228 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607133003`

Property Details

APN / Parcel Number

Primary APN	`963607133003`
Alternative APN	`64096360713300300`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	384 sqft
Basement Area	384 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Enclosed Porch
Porch Area	21 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360713300300
Street Address	1708 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	W 150' OF N 1/2 2 G & A 2ND
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	G & A 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3005
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 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	1708 2ND AVE E, SPENCER, IA 51301-4447
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Dec 1, 2006 · Amount on Record
Deed Document Number	953
Deed Book / Page	2020 / 953
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 16, 2020
Property Address	1708 2ND AVE E, SPENCER, IA 51301-4447
Document Number	2020/953
Book / Page	2020 / 953
Instrument Date	Apr 9, 2020
Instrument	953
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 2ND AVE E, SPENCER, IA 51301-4447

Mortgage

Document Number	002020/954
Date	Apr 16, 2020
Book Page	2020/954
Instrument	954

Lender

Name	CENTRAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$95,240 (+9.5%) Land $20,400 Building $74,840	$95,240 (+9.5%) Land $20,400 Building $74,840
2024	$1,228.00 (-8.77%)
2023		$86,980 (+2.03%) Land $14,280 Building $72,700	$86,980 (+2.03%) Land $14,280 Building $72,700
2022	$1,346.00 Homeowner's exemption	$85,250 Land $14,280 Building $70,970
2021			$85,250 Land $14,280 Building $70,970

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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