201 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 201 6th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,536 sqft · built 1900
Lot Size	0.135 acres (5,896 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Dec 2017)
Tax Bill	$1,442 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618204021`

Property Details

APN / Parcel Number

Primary APN	`963618204021`
Alternative APN	`64096361820402100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
1st Floor Area	768 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,896 sqft (0.135 acres)
Lot Dimensions	88 ft deep x 67 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	201 6TH AVE E
City	SPENCER
State	IA
Zip	51301-5105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 67' OF E 88' 1 EGLESTON IRREG.
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	EGLESTON IRREGULAR
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2027
Census Tract	80200

Owner

Source: Clay County records · APN 963618204021

Assessment roll updated September 30, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	201 6TH AVE E, SPENCER, IA 51301-5105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Dec 01, 2010 · Amount on Record
Deed Document Number	20173434
Deed Book / Page	2017 / 3434
Prior Transfer Date	Nov 22, 2010
Prior Transfer Doc	2010/3409
Record Updated	Jun 08, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 28, 2017
Property Address	201 6TH AVE E, SPENCER, IA 51301-5105
Document Number	2017/3434
Book / Page	2017 / 3434
Instrument Date	Dec 20, 2017
Instrument	2017 3434
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 6TH AVE E, SPENCER, IA 51301-5105

Mortgage

Document Number	2017/3435
Date	Dec 28, 2017
Book Page	2017/3435
Instrument	2017 3435

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,442.00	$97,000 (+7.62%) Land $19,230 Building $77,770	$97,000 (+7.62%) Land $19,230 Building $77,770
2024	$1,442.00 (+8.42%)
2023		$90,130 (+19.3%) Land $14,830 Building $75,300	$90,130 (+19.3%) Land $14,830 Building $75,300
2022	$1,330.00	$75,550 Land $14,830 Building $60,720
2021			$75,550 Land $14,830 Building $60,720

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spencer Municipal Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group.

Based on FCC filings for 371 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.