306 E 1st St, Spencer, IA 51301 Property Records

Clay County property record for 306 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1920
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Jul 2018)
Tax Bill	$2,302 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jul 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963618208006`

Property Details

APN / Parcel Number

Primary APN	`963618208006`
Alternative APN	`64096361820800600`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	728 sqft
Attic	Attic
Attic Area	400 sqft
Basement Area	1,040 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,250 sqft (0.189 acres)
Lot Dimensions	125 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	154 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	306 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 66' OF N 1/2 21 EGLESTON
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	EGLESTON ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2033
Census Tract	80200

Owner

306 E 1st St is owned and occupied by an individual who acquired it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	306 E 1ST ST, SPENCER, IA 51301-5220
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
Apr 18, 2023	Intrafamily Transfer, Transfer
Jul 2, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Jul 27, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Jul 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018 · Amount on File
Deed Sale	Jul 27, 2018 · Amount on File
Deed Document Number	20182023
Deed Book / Page	2018 / 2023
Last Transfer Date	Apr 17, 2023
Transfer Doc	002023/669
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Apr 18, 2023
Property Address	306 E 1ST ST, SPENCER, IA 51301-5220
Document Number	002023/669
Book / Page	2023 / 669
Instrument Date	Apr 17, 2023
Instrument	2023 669
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	306 E 1ST ST, SPENCER, IA 51301-5220

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	306 E 1ST ST, SPENCER, IA 51301-5220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001738
Date	Jul 2, 2018
Book Page	0000002018/0000001738
Instrument	000000001738

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	306 E 1ST ST, SPENCER, IA 51301-5220
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002024
Date	Jul 27, 2018
Book Page	0000002018/0000002024
Instrument	000000002024

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	354 Months
Due	Jan 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 27, 2018
Property Address	306 E 1ST ST, SPENCER, IA 51301-5220
Document Number	2018/2023
Book / Page	2018 / 2023
Instrument Date	Jul 25, 2018
Instrument	000000002023
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 1ST ST, SPENCER, IA 51301-5220
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 306 E 1st St was $2,302 with a homeowner's exemption, up 0.3% 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	$2,302.00 (+0.26%) Homeowner's exemption	$161,190 Land $22,410 Building $138,780	$161,190 Land $22,410 Building $138,780
2024	$2,296.00
2023		$153,610 (+18.83%) Land $17,290 Building $136,320	$153,610 Land $17,290 Building $136,320
2022	$2,120.00 Homeowner's exemption	$129,270 Land $17,290 Building $111,980
2021			$129,270 Land $17,290 Building $111,980

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

Flood

FEMA maps place 306 E 1st St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 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 306 E 1st St is low, with less than 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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 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 371 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	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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