Clay County property record for 2123 1st Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,558 sqft · built 1964 |
| Lot Size | 0.403 acres (17,550 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,532 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606327008 |
| Primary APN | 963606327008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,558 sqft Living Area |
| 1st Floor Area | 1,368 sqft |
| Basement Area | 1,026 sqft |
| Finished Basement | 950 sqft |
| Unfinished Basement | 1,026 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,550 sqft (0.403 acres) |
| Garage Type | Mixed |
| Garage Area | 1,136 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 192 sqft |
| Patio Area | 188 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 2123 1ST AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5 BULLOCK 3RD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | BULLOCKS 3RD ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 80200 |
2123 1st Ave E is owner-occupied and held in a trust since October 2010.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2123 1ST AVE E, SPENCER, IA 51301-2314 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Oct 11, 2010 |
| Transfer Doc | 2010/2812 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 2123 1st Ave E was $4,532 with a homeowner's exemption, up 5.2% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,532.00 (+5.25%) Homeowner's exemption | $321,430 Land $42,800 Building $278,630 | $321,430 Land $42,800 Building $278,630 |
| 2024 | $4,306.00 | ||
| 2023 | $292,850 (+18.31%) Land $29,960 Building $262,890 | $292,850 Land $29,960 Building $262,890 | |
| 2022 | $4,204.00 Homeowner's exemption | $247,530 Land $29,960 Building $217,570 | |
| 2021 | $247,530 Land $29,960 Building $217,570 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2123 1st Ave E in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
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 risk around 2123 1st Ave E is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 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 · 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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