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1720 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1720 2nd Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 904 sqft · built 1940
Lot Size0.286 acres (12,450 sqft)
OwnerIndividual Name on Record
Last Sale$77,500 (Aug 2023)
Tax Bill$1,060 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607133029

Property Details

APN / Parcel Number

Primary APN963607133029
Alternative APN
  • 64096360713302900

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area904 sqft Living Area
1st Floor Area736 sqft
Basement Area736 sqft
Unfinished Basement736 sqft
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1940
Effective Year BuiltEffective 1940
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area12,450 sqft (0.286 acres)
Lot Dimensions150 ft deep x 83 ft wide
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address1720 2ND AVE E
CitySPENCER
StateIA
Zip51301-4447
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 69' OF W 150' 1 G & A 2ND EXC PT 1 BEING 13' X 30' TR
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionG & A 2ND ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3005
Census Tract80200

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address1720 2ND AVE E, SPENCER, IA 51301-4447
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 1, 2023 · Amount on Record
Deed SaleAug 1, 2023 · Amount on Record
Prior SaleJun 4, 2014 · Amount on Record
Deed Document Number20231633
Deed Book / Page2023 / 1633
Prior Transfer DateMar 22, 2006
Prior Transfer Doc02006/0833
Record UpdatedOct 29, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateAug 1, 2023
Property Address1720 2ND AVE E, SPENCER, IA 51301-4447
Document Number02023/1633
Book / Page2023 / 1633
Instrument DateJul 12, 2023
Instrument2023 1633
Transaction TypeTransfer
Record UpdatedSep 21, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$123.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2090 400TH ST, SPENCER, IA 51301-7600

Transferred To (Grantee/Buyer)

NameVerified Name
Address1720 2ND AVE E, SPENCER, IA 51301-4447

Mortgage

Document Number0020231634
DateAug 1, 2023
Instrument2023 1634
Lender
NameFLANAGAN STATE BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2053

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,060.00 (+11.58%) Homeowner's exemption$80,110 (+15.08%) Land $23,710 Building $56,400$80,110 (+15.08%) Land $23,710 Building $56,400
2024$950.00 (-10.38%)
2023$69,610 (+15.61%) Land $16,590 Building $53,020$69,610 (+15.61%) Land $16,590 Building $53,020
2022$1,060.00$60,210 Land $16,590 Building $43,620
2021$60,210 Land $16,590 Building $43,620

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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