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2115 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 2115 1st Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,172 sqft · built 1963
Lot Size0.404 acres (17,600 sqft)
Owner2 Individual Names on Record
Last Sale$133,000 (Nov 2020)
Tax Bill$2,516 (2025)
Deeds & MortgagesNov 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963606327009

Property Details

APN / Parcel Number

Primary APN963606327009
Alternative APN
  • 68296360632700900

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,172 sqft Living Area
Basement Area1,172 sqft
Unfinished Basement1,172 sqft
Game RoomGame Room
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleRanch
Exterior MaterialVinyl
Construction TypeSteel Frame
Roof TypeHip
Roof MaterialShingle
Lot Area17,600 sqft (0.404 acres)
Lot Dimensions176 ft deep x 100 ft wide
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces
Patio Area192 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address2115 1ST AVE E
CitySPENCER
StateIA
Zip51301-2314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description6 BULLOCK 3RD
Legal Range36W
Legal Township96N
Legal Section6
Legal SubdivisionBULLOCKS 3RD ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1022
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address2115 1ST AVE E, SPENCER, IA 51301-2314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 10, 2020 · Amount on Record
Deed SaleNov 10, 2020 · Amount on Record
Deed Document Number20203491
Deed Book / Page2020 / 3491
Record UpdatedOct 29, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 10, 2020
Property Address2115 1ST AVE E, SPENCER, IA 51301-2314
Document Number2020/3491
Book / Page2020 / 3491
Instrument DateNov 2, 2020
Instrument2020 3491
Transaction TypeTransfer
Record UpdatedNov 25, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$212.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2115 1ST AVE E, SPENCER, IA 51301-2314

Mortgage

Document Number2020349220203492
DateNov 10, 2020
Instrument2020 349220203492
Lender
NameTRADITION MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,516.00 (+9.58%) Homeowner's exemption$175,160 (+14.02%) Land $42,800 Building $132,360$175,160 (+14.02%) Land $42,800 Building $132,360
2024$2,296.00 (+5.9%)
2023$153,620 (+16.48%) Land $29,960 Building $123,660$153,620 (+16.48%) Land $29,960 Building $123,660
2022$2,168.00 Homeowner's exemption$131,890 Land $29,960 Building $101,930
2021$131,890 Land $29,960 Building $101,930

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims7 (1993–2024)
Most Recent ClaimJun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims
  • Severe Storms & Flooding, Jul 1993 · 2 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 RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 110 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spencer Municipal Utilities
Fiber		1,000 / 1,000
Mediacom Xtream
Cable · Fiber in parts of the area		1,000 / 50
GigFire
Fixed Wireless		100 / 20

May also be available: AT&T, Nextlink, T-Mobile, Verizon.

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