1717 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1717 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,414 sqft · built 1952
Lot Size	0.228 acres (9,940 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Oct 2022)
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Oct 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607128005`

Property Details

APN / Parcel Number

Primary APN	`963607128005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,414 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,940 sqft (0.228 acres)
Lot Dimensions	142 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	152 sqft
Patio Area	176 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	1717 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 1 CARLSEN'S SUB N 35' 2 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

1717 2nd Ave E is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1717 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
Jan 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Oct 27, 2022	Legal Action/Court Order, Foreclosure · Conventional Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on File
Deed Sale	Oct 27, 2022 · Amount on File
Prior Sale	Sep 12, 2011 · Amount on File
Deed Document Number	20222835
Deed Book / Page	2022 / 2835
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1717 2ND AVE E, SPENCER, IA 51301-4448
Transaction Type	Mortgage
Record Updated	Feb 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002023/74
Date	Jan 18, 2023
Book Page	2023/74
Instrument	2023 74

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 18, 2028

October 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2022
Property Address	1717 2ND AVE E, SPENCER, IA 51301-4448
Document Number	02022/2835
Book / Page	2022 / 2835
Instrument Date	Oct 27, 2022
Instrument	2022 2835
Transaction Type	Foreclosure
Record Updated	Nov 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 2ND AVE E, SPENCER, IA 51301-4448

Mortgage

Document Number	02022/2836
Date	Oct 27, 2022
Book Page	2022/2836
Instrument	2022 2836

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 28, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1717 2nd Ave E was $2,034 with a homeowner's exemption, up 6.7% 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	$2,034.00 (+6.72%) Homeowner's exemption	$158,360 Land $28,000 Building $130,360	$158,360 Land $28,000 Building $130,360
2024	$1,906.00
2023		$142,320 (+17.56%) Land $19,600 Building $122,720	$142,320 Land $19,600 Building $122,720
2022	$2,132.00 Homeowner's exemption	$121,060 Land $19,600 Building $101,460
2021			$121,060 Land $19,600 Building $101,460

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

Flood

FEMA maps place 1717 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 1717 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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