1820 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1820 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,675 sqft · built 1955
Lot Size	0.305 acres (13,272 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Jul 2020)
Tax Bill	$4,612 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963606382008`

Property Details

APN / Parcel Number

Primary APN	`963606382008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,675 sqft Living Area
Basement Area	1,675 sqft
Finished Basement	900 sqft
Unfinished Basement	1,675 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,272 sqft (0.305 acres)
Garage Type	Mixed
Garage Area	1,444 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1820 2ND AVE E
City	SPENCER
State	IA
Zip	51301-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 4' OF THE W 160' 4 AUD PLAT 9 & 4 4 BULLOCK'S ADD
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCKS ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1025
Census Tract	80200

Owner

1820 2nd Ave E is owned and occupied by an individual who bought it in July 2020.

Source: Clay County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	1820 2ND AVE E, SPENCER, IA 51301-2330
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
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 1, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Jul 27, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jul 17, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2020 · Amount on File
Deed Sale	Jul 27, 2020 · Amount on File
Prior Sale	Jul 17, 2018 · Amount on File
Deed Document Number	20202220
Deed Book / Page	2020 / 2220
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Aug 5, 2026
Property Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Document Number	0000001946
Book / Page	2026 / 1946
Instrument Date	Jul 28, 2026
Instrument	20261946
Transaction Type	Mortgage
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001946,
Date	Aug 5, 2026
Book Page	2026/1946
Instrument	20261946

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002070
Date	Aug 1, 2018
Book Page	0000002018/0000002070
Instrument	000000002070

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/3195
Date	Dec 2, 2019
Book Page	2019/3195
Instrument	3195

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2035

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 27, 2020
Property Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Document Number	2020/2220
Book / Page	2020 / 2220
Instrument Date	Jul 6, 2020
Instrument	2020 2220
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 2ND AVE E, SPENCER, IA 51301-2330

Mortgage

Document Number	2020222120202221
Date	Jul 27, 2020
Instrument	2020 222120202221

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4.75%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 17, 2018
Property Address	1820 2ND AVE E, SPENCER, IA 51301-2330
Document Number	2018/1889
Book / Page	2018 / 1889
Instrument Date	Jul 13, 2018
Instrument	000000001889
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	1820 2ND AVE E, SPENCER, IA 51301-2330

Tax Assessment & Valuation

The 2025 property tax bill for 1820 2nd Ave E was $4,612, down 0.3% 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	$4,612.00 (-0.35%)	$312,010 Land $34,940 Building $277,070	$312,010 Land $34,940 Building $277,070
2024	$4,628.00
2023		$289,040 (+18.45%) Land $27,960 Building $261,080	$289,040 Land $27,960 Building $261,080
2022	$4,298.00	$244,010 Land $27,960 Building $216,050
2021			$244,010 Land $27,960 Building $216,050

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

Flood

FEMA maps place 1820 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	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 1820 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.

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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