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

Clay County property record for 210 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,088 sqft · built 1900
Lot Size	0.17 acres (7,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,000 (Feb 2018)
Tax Bill	$2,034 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607390004`

Property Details

APN / Parcel Number

Primary APN	`963607390004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	574 sqft
Basement Area	287 sqft
Unfinished Basement	287 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,400 sqft (0.17 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	234 sqft
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	210 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 ALLEY ADJ TO & W 45 1/2' 4 9 3RD & N 50' OF E 10' 5 9 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	2015
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	210 E 5TH ST, SPENCER, IA 51301-5013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2017	Deed of Trust, Mortgage · FHA Mortgage ALLIANCE FINANCIAL RESOURCES LLC
Feb 2, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Feb 2, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Aug 6, 2008 · Amount on Record
Deed Document Number	2018268
Deed Book / Page	2018 / 268
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 5TH ST, SPENCER, IA 51301-5013
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0126
Date	Jan 18, 2017
Book Page	2017/0126
Instrument	2017 0126

Lender

Name	ALLIANCE FINANCIAL RESOURCES LLC
Type	Mortgage Company
Address	PHOENIX, AZ 85054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	Mar 1, 2046

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 5TH ST, SPENCER, IA 51301-5013
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000269
Date	Feb 2, 2018
Book Page	0000002018/0000000269
Instrument	000000000269

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 2, 2018
Property Address	210 E 5TH ST, SPENCER, IA 51301-5013
Document Number	002018/268
Book / Page	2018 / 268
Instrument Date	Jan 20, 2018
Instrument	000000000268
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 E 5TH ST, SPENCER, IA 51301-5013

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	$2,034.00 (-11.41%)	$132,800 (+7.84%) Land $18,310 Building $114,490	$132,800 (+7.84%) Land $18,310 Building $114,490
2024	$2,296.00 (+8.1%)
2023		$123,150 (+20.5%) Land $14,130 Building $109,020	$123,150 (+20.5%) Land $14,130 Building $109,020
2022	$2,124.00	$102,200 Land $14,130 Building $88,070
2021			$102,200 Land $14,130 Building $88,070

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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