Clay County property record for 2804 B Ave E, Spencer, IA 51301
| Property Type | Commercial |
|---|---|
| Details | 2,100 sqft · built 2022 |
| Lot Size | 0.624 acres (27,170 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Jun 2022) |
| Tax Bill | $6,316 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606130004 |
| Primary APN | 963606130004 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 2,100 sqft Gross Area |
| Overhead Door | Overhead Door |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Metal |
| Roof Material | Urethane Foam |
| Lot Area | 27,170 sqft (0.624 acres) |
| Utility Building | 320 sqft |
| Street Address | 2804 B AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2009 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 4 STEFFES 1ST ADDN |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | STEFFES 1ST ADDN |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 80200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 1413 AVENUE J, SEAGRAVES, TX 79359 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Aug 11, 2023 | Deed of Trust, Mortgage · Line of Credit TWO RIVERS BANK & TRUST |
| Nov 5, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on Record |
| Deed Sale | Jun 14, 2022 · Amount on Record |
| Deed Document Number | 20221564 |
| Deed Book / Page | 2022 / 1564 |
| Prior Transfer Date | Nov 24, 2021 |
| Prior Transfer Doc | 0000001564 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 2804 B AVE E, SPENCER, IA 51301-2009 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 33393 MESOLITE WAY, MENIFEE, CA 92584-7794 |
| Document Number | 02023/1714 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 2023/1714 |
| Instrument | 2023 1714 |
| Name | TWO RIVERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | BURLINGTON, IA 52601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 5, 2021 |
| Property Address | 2804 B AVE E, SPENCER, IA 51301-2009 |
| Document Number | 02021/3483 |
| Book / Page | 2021 / 3483 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 2021 3483 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $92.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11473 LYLE LN, BEAUMONT, CA 92223-6244 |
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 | $6,316.00 (+67%) | $279,880 (+43.21%) Land $67,930 Building $211,950 | $279,880 (+43.21%) Land $67,930 Building $211,950 |
| 2024 | $3,782.00 (+322.1%) | ||
| 2023 | $195,440 (+284.57%) Land $50,820 Building $144,620 | $195,440 (+284.57%) Land $50,820 Building $144,620 | |
| 2022 | $896.00 | $50,820 Land $50,820 | |
| 2021 | $50,820 Land $50,820 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 40% of Iowa |
|---|---|
| Wildfire Likelihood | 0.02% 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 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
| Starlink Satellite | 280 / 30 |
| GigFire Fixed Wireless | 100 / 20 |
May also be available: Premier Communications, Spencer Municipal Utilities, T-Mobile, Verizon.
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