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

Clay County property record for 315 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 796 sqft · built 1948
Lot Size	0.111 acres (4,840 sqft)
Owner	2 Individual Names on File
Last Sale	$96,500 (Oct 2022)
Tax Bill	$1,342 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618205015`

Property Details

APN / Parcel Number

Primary APN	`963618205015`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	796 sqft Living Area
Basement Area	796 sqft
Finished Basement	250 sqft
Unfinished Basement	796 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
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	388 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	44 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	315 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 44' 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

315 E 1st St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	315 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
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC
Dec 26, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	Dec 26, 2017 · Amount on File
Deed Document Number	20222736
Deed Book / Page	2022 / 2736
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	315 E 1ST ST, SPENCER, IA 51301-5221
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1766
Date	Jun 7, 2021
Book Page	2021/1766
Instrument	2021 1766

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 17, 2022
Property Address	315 E 1ST ST, SPENCER, IA 51301-5221
Document Number	02022/2736
Book / Page	2022 / 2736
Instrument Date	Oct 13, 2022
Instrument	2022 2736
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	315 E 1ST ST, SPENCER, IA 51301-5221

Mortgage

Document Number	02022/2737
Date	Oct 17, 2022
Book Page	2022/2737
Instrument	2022 2737

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 26, 2017
Property Address	315 E 1ST ST, SPENCER, IA 51301-5221
Document Number	02017/3404
Book / Page	2017 / 3404
Instrument Date	Dec 26, 2017
Instrument	2017 3404
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Amount	Amount on Record
Tax	$92.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E 1ST ST, SPENCER, IA 51301-5221

Tax Assessment & Valuation

The 2025 property tax bill for 315 E 1st St was $1,342, 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	$1,342.00 (+0.3%)	$87,640 Land $14,170 Building $73,470	$87,640 Land $14,170 Building $73,470
2024	$1,338.00
2023		$83,610 (+18.11%) Land $10,930 Building $72,680	$83,610 Land $10,930 Building $72,680
2022	$1,248.00	$70,790 Land $10,930 Building $59,860
2021			$70,790 Land $10,930 Building $59,860

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

Flood

FEMA maps place 315 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 315 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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