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26 E 25th St, Spencer, IA 51301 Property Records

Clay County property record for 26 E 25th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 1,200 sqft · built 1977
Lot Size0.378 acres (16,480 sqft)
Owner2 Individual Names on Record
Last Sale$106,500 (Apr 2007)
Tax Bill$2,746 (2025)
Deeds & MortgagesApr 2007 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963606179003

Property Details

APN / Parcel Number

Primary APN963606179003
Alternative APN
  • 68296360617900300

Interior

Bedrooms5 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Building Area1,200 sqft Living Area
Basement Area600 sqft
Finished Basement500 sqft
Unfinished Basement600 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Architectural StyleSplit Level
Exterior MaterialWood
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area16,480 sqft (0.378 acres)
Lot Dimensions160 ft deep x 103 ft wide
Garage TypeAttached
Garage Area552 sqft
Parking Spaces2 Parking Spaces
Patio Area255 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address26 E 25TH ST
CitySPENCER
StateIA
Zip51301-2152
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1 2 BULLOCK'S HIGHLAND ACRES
Legal Range36W
Legal Township96N
Legal Section6
Legal SubdivisionBULLOCK HIGHLAND ACRES
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1008
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 Address26 E 25TH ST, SPENCER, IA 51301-2152
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 25, 2007 · Amount on Record
Deed SaleApr 25, 2007 · Amount on Record
Deed Document Number20071201
Deed Book / Page2007 / 1201
Record UpdatedOct 29, 2026

April 2007: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateApr 25, 2007
Property Address26 E 25TH ST, SPENCER, IA 51301-2152
Document Number02007/1201
Book / Page2007 / 1201
Instrument DateApr 23, 2007
Instrument2007 1201
Transaction TypeTransfer
Record UpdatedJul 8, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$169.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address26 E 25TH ST, SPENCER, IA 51301-2152

Mortgage

Document Number02007/1202
DateApr 25, 2007
Book Page2007/1202
Instrument2007 1202
Lender
NameUSDA
TypeGovernment Agency
AddressSAINT LOUIS, MO 63166
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term396 Months
DueApr 24, 2040

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$2,746.00 (+3.54%) Homeowner's exemption$190,260 (+8.16%) Land $32,140 Building $158,120$190,260 (+8.16%) Land $32,140 Building $158,120
2024$2,652.00 (+6.94%)
2023$175,900 (+17.51%) Land $26,780 Building $149,120$175,900 (+17.51%) Land $26,780 Building $149,120
2022$2,480.00 Homeowner's exemption$149,690 Land $26,780 Building $122,910
2021$149,690 Land $26,780 Building $122,910

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood0.02% 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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