2 Vestergaard Ct, Spencer, IA 51301 Property Records

Clay County property record for 2 Vestergaard Ct, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,164 sqft · built 1900
Lot Size	0.382 acres (16,625 sqft)
Owner	Trust Name on File
Tax Bill	$1,096 (2025)
Deeds & Mortgages	Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`963618252023`

Property Details

APN / Parcel Number

Primary APN	`963618252023`
Alternative APN	`64096361825202300`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,164 sqft Living Area
1st Floor Area	432 sqft
Basement Area	752 sqft
Unfinished Basement	432 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,625 sqft (0.382 acres)
Lot Dimensions	125 ft deep x 133 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2 VESTERGAARD CT
City	SPENCER
State	IA
Zip	51301-5260
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8-9 VESTERGAARD COURT
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	VESTERGAARD'S COURT
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2038
Census Tract	80200

Owner

2 Vestergaard Ct is owner-occupied and held in a trust since July 2010.

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

Owner of Record	Trust Name on File
Mailing Address	2 VESTERGAARD CT, SPENCER, IA 51301-5260
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2010
Deed Sale	Jul 20, 2010
Deed Document Number	20101832
Deed Book / Page	2010 / 1832
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 20, 2022
Property Address	2 VESTERGAARD CT, SPENCER, IA 51301-5260
Document Number	002022/195
Book / Page	2022 / 195
Instrument Date	Jan 20, 2022
Instrument	2022 0195
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 VESTERGAARD CT, SPENCER, IA 51301-5260

Tax Assessment & Valuation

The 2025 property tax bill for 2 Vestergaard Ct was $1,096 with a homeowner's exemption, down 5% 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	$1,096.00 (-5.03%) Homeowner's exemption	$82,400 Land $21,670 Building $60,730	$82,400 Land $21,670 Building $60,730
2024	$1,154.00
2023		$82,310 (+17.79%) Land $18,060 Building $64,250	$82,310 Land $18,060 Building $64,250
2022	$1,074.00 Homeowner's exemption	$69,880 Land $18,060 Building $51,820
2021			$69,880 Land $18,060 Building $51,820

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

Flood

FEMA maps place 2 Vestergaard Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 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 2 Vestergaard Ct is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.02% 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 224 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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