1713 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1713 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,068 sqft · built 1954
Lot Size	0.212 acres (9,230 sqft)
Owner	Individual Name on File
Tax Bill	$2,258 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jun 2010 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607128006`

Property Details

APN / Parcel Number

Primary APN	`963607128006`
Alternative APN	`64096360712800600`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,068 sqft Living Area
Basement Area	1,068 sqft
Unfinished Basement	1,068 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,230 sqft (0.212 acres)
Lot Dimensions	142 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1713 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 15' 2 1 CARLSEN'S SUB 3 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

1713 2nd Ave E is owned and occupied by an individual.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	1713 2ND AVE E, SPENCER, IA 51301-4448
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2023	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 11, 2010	Deed of Trust, Mortgage · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1713 2ND AVE E, SPENCER, IA 51301-4448
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/289
Date	Feb 23, 2023
Book Page	2023/289
Instrument	2023 289

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Feb 23, 2056

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1713 2ND AVE E, SPENCER, IA 51301-4448
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/1450
Date	Jun 11, 2010
Book Page	2010/1450
Instrument	2010 1450

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Jun 11, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 1713 2nd Ave E was $2,258 with a homeowner's exemption, up 7.3% from the year before.

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	$2,258.00 (+7.32%) Homeowner's exemption	$158,280 Land $26,000 Building $132,280	$158,280 Land $26,000 Building $132,280
2024	$2,104.00
2023		$141,600 (+18.09%) Land $18,200 Building $123,400	$141,600 Land $18,200 Building $123,400
2022	$1,956.00 Homeowner's exemption	$119,910 Land $18,200 Building $101,710
2021			$119,910 Land $18,200 Building $101,710

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

Flood

FEMA maps place 1713 2nd Ave E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1713 2nd Ave E is low, with less than a 0.01% annual chance of 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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