Clay County property record for 1805 2nd Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,984 sqft · built 1953 |
| Lot Size | 0.314 acres (13,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,000 (Sep 2013) |
| Tax Bill | $3,996 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606381007 |
| Primary APN | 963606381007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Basement Area | 1,488 sqft |
| Finished Basement | 590 sqft |
| Unfinished Basement | 1,488 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,680 sqft (0.314 acres) |
| Lot Dimensions | 80 ft deep x 171 ft wide |
| Garage Type | Attached |
| Garage Area | 932 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 266 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 1805 2ND AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 AUD PLAT 9 |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | AUDITOR'S PLAT 9 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 80200 |
1805 2nd Ave E is owned and occupied by two individuals who bought it in September 2013.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1805 2ND AVE E, SPENCER, IA 51301-2331 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2013 · Amount on File |
| Deed Sale | Sep 23, 2013 · Amount on File |
| Prior Sale | Oct 29, 2008 |
| Deed Document Number | 20133040 |
| Deed Book / Page | 2013 / 3040 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1805 2nd Ave E was $3,996 with a homeowner's exemption, up 5.4% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,996.00 (+5.38%) Homeowner's exemption | $295,380 Land $36,390 Building $258,990 | $295,380 Land $36,390 Building $258,990 |
| 2024 | $3,792.00 | ||
| 2023 | $269,230 (+17.02%) Land $29,110 Building $240,120 | $269,230 Land $29,110 Building $240,120 | |
| 2022 | $3,838.00 Homeowner's exemption | $230,080 Land $29,110 Building $200,970 | |
| 2021 | $230,080 Land $29,110 Building $200,970 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1805 2nd Ave E in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 1805 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.
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 |
| 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.
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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