1725 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1725 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,504 sqft · built 1941
Lot Size	0.45 acres (19,600 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 2020)
Tax Bill	$5,690 (2025)
Deeds & Mortgages	Apr 2026 Construction Loan Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607127005`

Property Details

APN / Parcel Number

Primary APN	`963607127005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,504 sqft Living Area
1st Floor Area	1,066 sqft
Basement Area	1,102 sqft
Finished Basement	350 sqft
Unfinished Basement	1,102 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,600 sqft (0.45 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1725 1ST AVE E
City	SPENCER
State	IA
Zip	51301-4341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 92' OF E 1/2 & E 100' OF S 58' OF N 150' 2 G&A
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3007
Census Tract	80200

Owner

1725 1st Ave E is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1725 1ST AVE E, SPENCER, IA 51301-4341
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
Apr 3, 2026	Deed of Trust, Mortgage · Construction Mortgage NORTHWEST BANK
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on File
Deed Sale	Aug 5, 2020 · Amount on File
Prior Sale	May 31, 2013 · Amount on File
Deed Document Number	20202349
Deed Book / Page	2020 / 2349
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Apr 3, 2026
Property Address	1725 1ST AVE E, SPENCER, IA 51301-4341
Document Number	0000000749
Book / Page	2026 / 749
Instrument Date	Mar 28, 2026
Instrument	2026749
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1725 1ST AVE E, SPENCER, IA 51301-4341
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000749,
Date	Apr 3, 2026
Book Page	2026/749
Instrument	2026749

Lender

Name	NORTHWEST BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	6 Months
Due	Oct 2, 2026

Interest

Rate	5.98%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 5, 2020
Property Address	1725 1ST AVE E, SPENCER, IA 51301-4341
Document Number	2020/2349
Book / Page	2020 / 2349
Instrument Date	Jul 30, 2020
Instrument	2020 2349
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$447.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1725 1ST AVE E, SPENCER, IA 51301-4341

Mortgage

Document Number	2020235020202350
Date	Aug 5, 2020
Instrument	2020 235020202350

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1725 1st Ave E was $5,690 with a homeowner's exemption, up 5.6% 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	$5,690.00 (+5.57%) Homeowner's exemption	$382,460 Land $49,260 Building $333,200	$382,460 Land $49,260 Building $333,200
2024	$5,390.00
2023		$346,910 (+17.42%) Land $39,410 Building $307,500	$346,910 Land $39,410 Building $307,500
2022	$5,048.00 Homeowner's exemption	$295,450 Land $39,410 Building $256,040
2021			$295,450 Land $39,410 Building $256,040

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

Flood

FEMA maps place 1725 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 1725 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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