1809 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1809 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 960 sqft · built 1974
Lot Size	0.175 acres (7,620 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Dec 2025)
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963606454009`

Property Details

APN / Parcel Number

Primary APN	`963606454009`
Alternative APN	`64096360645400900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,620 sqft (0.175 acres)
Lot Dimensions	127 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1809 5TH AVE E
City	SPENCER
State	IA
Zip	51301-2351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 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	1025
Census Tract	80200

Owner

1809 5th Ave E is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1809 5TH AVE E, SPENCER, IA 51301-2351
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 13, 2026	Deed of Trust, Mortgage · VA Mortgage IOWA BANKERS MORTGAGE CORP
Dec 17, 2025	Deed of Trust, Mortgage · VA Mortgage IOWA BANKERS MORTGAGE CORP
May 29, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Deed Document Number	20252957
Deed Book / Page	2025 / 2957
Prior Transfer Date	Apr 29, 2020
Prior Transfer Doc	2020/1426
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1809 5TH AVE E, SPENCER, IA 51301-2351
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/133
Date	Jan 13, 2026
Book Page	2026/133
Instrument	2026 133

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company
Address	JOHNSTON, IA 50131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2055

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1809 5TH AVE E, SPENCER, IA 51301-2351
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2958
Date	Dec 17, 2025
Book Page	2025/2958
Instrument	2025 2958

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company
Address	JOHNSTON, IA 50131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	May 29, 2020
Property Address	1809 5TH AVE E, SPENCER, IA 51301-2351
Document Number	2020/1426
Book / Page	2020 / 1426
Instrument Date	Apr 29, 2020
Instrument	2020 1426
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 ND ST, ARNOLDS PARK, IA 51331

Tax Assessment & Valuation

The 2025 property tax bill for 1809 5th Ave E was $2,190, up 4.6% 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	$2,190.00 (+4.58%)	$143,060 Land $23,280 Building $119,780	$143,060 Land $23,280 Building $119,780
2024	$2,094.00
2023		$130,800 (+5.33%) Land $18,620 Building $112,180	$130,800 Land $18,620 Building $112,180
2022	$2,188.00	$124,180 Land $18,620 Building $105,560
2021			$124,180 Land $18,620 Building $105,560

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

Flood

FEMA maps place 1809 5th 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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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

Wildfire risk around 1809 5th 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 363 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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