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

Clay County property record for 309 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 879 sqft · built 1947
Lot Size	0.111 acres (4,840 sqft)
Owner	Individual Name on File
Last Sale	$98,500 (Oct 2022)
Tax Bill	$1,146 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618205014`

Property Details

APN / Parcel Number

Primary APN	`963618205014`
Alternative APN	`64096361820501400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	879 sqft Living Area
Basement Area	879 sqft
Finished Basement	192 sqft
Unfinished Basement	879 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,840 sqft (0.111 acres)
Lot Dimensions	110 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 44' E 88' OF S 110 16 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	2030
Census Tract	80200

Owner

309 E 1st St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	309 E 1ST ST, SPENCER, IA 51301-5221
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
Oct 4, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Sep 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Jun 27, 2014 · Amount on File
Deed Document Number	20222616
Deed Book / Page	2022 / 2616
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 4, 2022
Property Address	309 E 1ST ST, SPENCER, IA 51301-5221
Document Number	02022/2616
Book / Page	2022 / 2616
Instrument Date	Sep 27, 2022
Instrument	2022 2616
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 1ST ST, SPENCER, IA 51301-5221

Mortgage

Document Number	02022/2617
Date	Oct 4, 2022
Book Page	2022/2617
Instrument	2022 2617

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	309 E 1ST ST, SPENCER, IA 51301-5221
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2753
Date	Sep 1, 2021
Book Page	2021/2753
Instrument	2021 2753

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 309 E 1st St was $1,146 with a homeowner's exemption, up 3.6% 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	$1,146.00 (+3.62%) Homeowner's exemption	$100,380 Land $14,170 Building $86,210	$100,380 Land $14,170 Building $86,210
2024	$1,106.00
2023		$93,030 (+18.8%) Land $10,930 Building $82,100	$93,030 Land $10,930 Building $82,100
2022	$1,380.00	$78,310 Land $10,930 Building $67,380
2021			$78,310 Land $10,930 Building $67,380

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

Flood

FEMA maps place 309 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 309 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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