1720 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1720 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 896 sqft · built 1958
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on File
Last Sale	$50,000 (Feb 2020)
Tax Bill	$1,300 (2025)
Deeds & Mortgages	Feb 2012 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607128002`

Property Details

APN / Parcel Number

Primary APN	`963607128002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
Basement Area	896 sqft
Unfinished Basement	896 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Other
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Porch	Porch
Porch Area	448 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1720 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 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

1720 1st Ave E is owned by a company that bought it in February 2020.

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

Owner of Record	Company Name on File
Mailing Address	2090 400TH ST, SPENCER, IA 51301-7600
Owner Type	Company
Vesting	Company

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 22, 2012	Deed of Trust, Mortgage NORTHWEST BANK
Feb 26, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS NATIONAL BANK
Sep 24, 2008	Legal Action/Court Order, Foreclosure · ARM FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2020 · Amount on File
Deed Sale	Feb 26, 2020 · Amount on File
Prior Sale	Sep 24, 2008
Deed Document Number	2020495
Deed Book / Page	2020 / 495
Record Updated	Oct 29, 2026

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1720 1ST AVE E, SPENCER, IA 51301-4340
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0510
Date	Feb 22, 2012
Book Page	2012/0510
Instrument	2012 0510

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount on Record
Term	61 Months
Due	Mar 3, 2017

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 26, 2020
Property Address	1720 1ST AVE E, SPENCER, IA 51301-4340
Document Number	002020/495
Book / Page	2020 / 495
Instrument Date	Feb 24, 2020
Instrument	495
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	2090 400TH ST, SPENCER, IA 51301-7600

Mortgage

Document Number	002020/496
Date	Feb 26, 2020
Book Page	2020/496
Instrument	496

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Sep 24, 2008
Property Address	1720 1ST AVE E, SPENCER, IA 51301-4340
Document Number	02008/2771
Book / Page	2008 / 2771
Instrument Date	Sep 15, 2008
Instrument	2008 2771
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 N 2ND AVE W, HARTLEY, IA 51346-1061

Mortgage

Document Number	0020082774
Date	Sep 24, 2008
Instrument	2008 2774

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Oct 1, 2013
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Margin	3
Max Rate	12%

Tax Assessment & Valuation

The 2025 property tax bill for 1720 1st Ave E was $1,300, up 16.1% 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	$1,300.00 (+16.07%)	$84,840 Land $20,000 Building $64,840	$84,840 Land $20,000 Building $64,840
2024	$1,120.00
2023		$69,980 (+15.69%) Land $16,000 Building $53,980	$69,980 Land $16,000 Building $53,980
2022	$1,066.00	$60,490 Land $16,000 Building $44,490
2021			$60,490 Land $16,000 Building $44,490

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

Flood

FEMA maps place 1720 1st 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 1720 1st 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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