208 E 1st St, Spencer, IA 51301 Property Records

Clay County property record for 208 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 823 sqft · built 1900
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$52,000 (Aug 2018)
Tax Bill	$926 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963618208001`

Property Details

APN / Parcel Number

Primary APN	`963618208001`
Alternative APN	`64096361820800100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	823 sqft Living Area
1st Floor Area	484 sqft
Basement Area	484 sqft
Unfinished Basement	484 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	125 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	208 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 66' OF N 1/2 19 EGLESTON
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	EGLESTON ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2033
Census Tract	80200

Owner

208 E 1st St is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	208 E 1ST ST, SPENCER, IA 51301-5218
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 20, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Aug 20, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on File
Deed Sale	Aug 20, 2018 · Amount on File
Deed Document Number	20182227
Deed Book / Page	2018 / 2227
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	208 E 1ST ST, SPENCER, IA 51301-5218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002228
Date	Aug 20, 2018
Book Page	0000002018/0000002228
Instrument	000000002228

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 20, 2018
Property Address	208 E 1ST ST, SPENCER, IA 51301-5218
Document Number	2018/2227
Book / Page	2018 / 2227
Instrument Date	Aug 11, 2018
Instrument	000000002227
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount 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	208 E 1ST ST, SPENCER, IA 51301-5218

Tax Assessment & Valuation

The 2025 property tax bill for 208 E 1st St was $926 with a homeowner's exemption, up 6.4% 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	$926.00 (+6.44%) Homeowner's exemption	$71,400 Land $22,410 Building $48,990	$71,400 Land $22,410 Building $48,990
2024	$870.00
2023		$64,550 (+16.06%) Land $17,290 Building $47,260	$64,550 Land $17,290 Building $47,260
2022	$824.00 Homeowner's exemption	$55,620 Land $17,290 Building $38,330
2021			$55,620 Land $17,290 Building $38,330

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

Flood

FEMA maps place 208 E 1st St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 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 208 E 1st St 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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