1824 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1824 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,738 sqft · built 1959
Lot Size	0.412 acres (17,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Dec 2019)
Tax Bill	$5,652 (2025)
Deeds & Mortgages	Mar 2019 Refinance Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963606382001`

Property Details

APN / Parcel Number

Primary APN	`963606382001`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,738 sqft Living Area
Basement Area	1,738 sqft
Finished Basement	925 sqft
Unfinished Basement	1,738 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,940 sqft (0.412 acres)
Garage Type	Mixed
Garage Area	1,782 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1824 2ND AVE E
City	SPENCER
State	IA
Zip	51301-2330
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1824 2ND AVE E, SPENCER, IA 51301-2330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Dec 12, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK
Jan 25, 2012	Legal Action/Court Order, Foreclosure IOWA STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2019 · Amount on Record
Deed Sale	Dec 12, 2019 · Amount on Record
Prior Sale	Jan 25, 2012 · Amount on Record
Deed Document Number	20193317
Deed Book / Page	2019 / 3317
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1824 2ND AVE E, SPENCER, IA 51301-2330
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002019/529
Date	Mar 6, 2019
Book Page	2019/529
Instrument	529

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2039

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 12, 2019
Property Address	1824 2ND AVE E, SPENCER, IA 51301-2330
Document Number	02019/3317
Book / Page	2019 / 3317
Instrument Date	Dec 4, 2019
Instrument	3317
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Address	1824 2ND AVE E, SPENCER, IA 51301-2330

Mortgage

Document Number	02019/3318
Date	Dec 12, 2019
Book Page	2019/3318
Instrument	3318

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

January 2012: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jan 25, 2012
Property Address	1824 2ND AVE E, SPENCER, IA 51301-2330
Document Number	002012/238
Book / Page	2012 / 238
Instrument Date	Jan 12, 2012
Instrument	2012 0238
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$181.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	715 COUNTRY CLUB LN, SPENCER, IA 51301-6145
Investor	Possibly a Property Investor

Mortgage

Document Number	0020120260
Date	Jan 25, 2012
Instrument	2012 0260

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,652.00 (+4.74%) Homeowner's exemption	$379,930 (+9.41%) Land $44,060 Building $335,870	$379,930 (+9.41%) Land $44,060 Building $335,870
2024	$5,396.00 (+6.72%)
2023		$347,250 (+17.36%) Land $35,250 Building $312,000	$347,250 (+17.36%) Land $35,250 Building $312,000
2022	$5,056.00 Homeowner's exemption	$295,890 Land $35,250 Building $260,640
2021			$295,890 Land $35,250 Building $260,640

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 · 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

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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