2127 1st Ave E, Spencer, IA 51301 Property Records

Clay County property record for 2127 1st Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,284 sqft · built 1963
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Feb 2018)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963606327007`

Property Details

APN / Parcel Number

Primary APN	`963606327007`
Alternative APN	`68296360632700700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
Basement Area	1,284 sqft
Unfinished Basement	1,284 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,500 sqft (0.402 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	214 sqft
Patio Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	2127 1ST AVE E
City	SPENCER
State	IA
Zip	51301-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 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

Owner

2127 1st Ave E is owned and occupied by an individual who acquired it in June 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2127 1ST AVE E, SPENCER, IA 51301-2314
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
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FORTRESS BANK
Feb 1, 2018	Deed of Trust, Mortgage · FHA Mortgage LINCOLN SAVINGS BANK
Feb 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2018 · Amount on File
Deed Sale	Feb 1, 2018 · Amount on File
Prior Sale	Aug 2, 2007 · Amount on File
Deed Document Number	2018250
Deed Book / Page	2018 / 250
Last Transfer Date	Jun 21, 2024
Transfer Doc	02024/1448
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2127 1ST AVE E, SPENCER, IA 51301-2314
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/381
Date	Feb 8, 2021
Book Page	2021/381
Instrument	2021 0381

Lender

Name	FORTRESS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	2127 1ST AVE E, SPENCER, IA 51301-2314
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000251
Date	Feb 1, 2018
Book Page	0000002018/0000000251
Instrument	000000000251

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 1, 2018
Property Address	2127 1ST AVE E, SPENCER, IA 51301-2314
Document Number	2018/250
Book / Page	2018 / 250
Instrument Date	Jan 26, 2018
Instrument	000000000250
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
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	2127 1ST AVE E, SPENCER, IA 51301-2314

Tax Assessment & Valuation

The 2025 property tax bill for 2127 1st Ave E was $3,140 with a homeowner's exemption, up 7.2% 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	$3,140.00 (+7.24%) Homeowner's exemption	$215,930 Land $42,800 Building $173,130	$215,930 Land $42,800 Building $173,130
2024	$2,928.00
2023		$193,100 (+18.66%) Land $29,960 Building $163,140	$193,100 Land $29,960 Building $163,140
2022	$2,710.00 Homeowner's exemption	$162,740 Land $29,960 Building $132,780
2021			$162,740 Land $29,960 Building $132,780

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

Flood

FEMA maps place 2127 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	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

Wildfire risk around 2127 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.

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 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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