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2012 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 2012 2nd Ave E, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,032 sqft · built 1974
Lot Size0.232 acres (10,125 sqft)
OwnerIndividual Name on File
Last Sale$125,000 (Oct 2019)
Tax Bill$2,420 (2024)
Deeds & MortgagesOct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963606380003

Property Details

APN / Parcel Number

Primary APN963606380003
Alternative APN
  • 64096360638000300

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area1,032 sqft Living Area
Basement Area1,032 sqft
Finished Basement800 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1974
Architectural StyleSplit Foyer
Exterior MaterialMetal
Construction TypeSteel Frame
Foundation TypeBlock
Roof TypeGable
Lot Area10,125 sqft (0.232 acres)
Lot Dimensions135 ft deep x 75 ft wide
Garage TypeAttached
Garage Area264 sqft
Parking Spaces1 Parking Space
Deck Area168 sqft
Patio Area403 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096360638000300
Street Address2012 2ND AVE E
CitySPENCER
StateIA
Zip51301-2301
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description10 SUNSET ACRES ADD
Legal Range36
Legal Township17
Legal Section06
Legal SubdivisionSUNSET ACRES ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1005
Census Tract80200

Owner

Source: Clay County records · APN 963606380003

Assessment roll updated May 1, 2025 · Last verified October 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2012 2ND AVE E, SPENCER, IA 51301-2301
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 30, 2019 · Amount on Record
Deed SaleOct 30, 2019 · Amount on Record
Deed Document Number2886
Deed Book / Page2019 / 2886
Record UpdatedJun 08, 2026

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateOct 30, 2019
Property Address2012 2ND AVE E, SPENCER, IA 51301-2301
Document Number02019/2886
Book / Page2019 / 2886
Instrument DateOct 28, 2019
Instrument2886
Transaction TypeTransfer
Record UpdatedAug 09, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2012 2ND AVE E, SPENCER, IA 51301-2301

Mortgage

Document Number02019/2887
DateOct 30, 2019
Book Page2019/2887
Instrument2887
Lender
NameFARMERS TRUST & SAVINGS BANK
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueNov 01, 2049
Interest
Rate TypeAdjustable Rate
Rate4.5%
Type Change DateNov 01, 2022
Index1-Year CMT
Margin3

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer 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.

YearTax BillAssessed ValueAssessed Market Value
2025$178,760 (+10.74%) Land $29,700 Building $149,060$178,760 (+10.74%) Land $29,700 Building $149,060
2024$2,420.00 (+6.05%)
2023$161,420 (+16.62%) Land $20,790 Building $140,630$161,420 (+16.62%) Land $20,790 Building $140,630
2022$2,282.00 Homeowner's exemption$138,410 Land $20,790 Building $117,620
2021$138,410 Land $20,790 Building $117,620

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410802001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force
Nearby Flood Claims7 (1993–2024)
Most Recent ClaimJun 2024, river or lake flooding, Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims By Storm
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims
  • Severe Storms & Flooding, Jul 1993 · 2 claims

Wildfire

Wildfire RiskLow
above 2% of the US · above 17% of Iowa
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 110 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Spencer Municipal Communications UtilityFiber1,000 / 1,000
Mediacom CommunicationsCable1,000 / 50
LTD BroadbandFixed Wireless (licensed-by-rule)100 / 20

May also be available at this address: AMG Technology Investment Group, Verizon, AT&T, T-Mobile USA, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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