201 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 201 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,616 sqft · built 1904
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,230 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607386002`

Property Details

APN / Parcel Number

Primary APN	`963607386002`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,616 sqft Living Area
1st Floor Area	1,166 sqft
Basement Area	1,166 sqft
Finished Basement	1,049 sqft
Unfinished Basement	1,166 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Vinyl
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	304 sqft
Deck Area	136 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	201 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 8 3RD RY ADD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 3RD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2012
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	201 E 5TH ST, SPENCER, IA 51301-5014
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Aug 9, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Jan 20, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 18, 2016
Transfer Doc	2016/1075
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	201 E 5TH ST, SPENCER, IA 51301-5014
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2657
Date	Nov 17, 2023
Book Page	2023/2657
Instrument	2023 2657

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	38 Months
Due	Jan 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	201 E 5TH ST, SPENCER, IA 51301-5014
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002156
Date	Aug 9, 2018
Book Page	0000002018/0000002156
Instrument	000000002156

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	201 E 5TH ST, SPENCER, IA 51301-5014
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0149
Date	Jan 20, 2017
Book Page	2017/0149
Instrument	2017 0149

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	201 E 5TH ST, SPENCER, IA 51301-5014
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/741
Date	Mar 24, 2020
Book Page	2020/741
Instrument	741

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	85 Months
Due	Apr 1, 2027

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	$3,230.00 (+1.83%) Homeowner's exemption	$221,810 (+6.43%) Land $17,500 Building $204,310	$221,810 (+6.43%) Land $17,500 Building $204,310
2024	$3,172.00 (+10.91%)
2023		$208,400 (+21.69%) Land $13,500 Building $194,900	$208,400 (+21.69%) Land $13,500 Building $194,900
2022	$2,860.00	$171,250 Land $13,500 Building $157,750
2021			$171,250 Land $13,500 Building $157,750

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
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

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	Not rated no burnable land within 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 484 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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