317 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 317 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,732 sqft · built 1900
Lot Size	0.196 acres (8,520 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Oct 2005)
Tax Bill	$2,880 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607453006`

Property Details

APN / Parcel Number

Primary APN	`963607453006`
Alternative APN	`68296360745300600`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,732 sqft Living Area
1st Floor Area	640 sqft
Basement Area	824 sqft
Unfinished Basement	480 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,520 sqft (0.196 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	1,220 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	176 sqft
Deck Area	60 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	317 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 10' 11 7 3RD RY ALL 12 7 3RD RY
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 3RD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2012
Census Tract	80200

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 Record	Individual Name on Record
Mailing Address	317 E 5TH ST, SPENCER, IA 51301-5016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jun 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 17, 2006	Deed of Trust, Mortgage · Conventional Mortgage M & I BANK FSB
May 23, 2022	Intrafamily Transfer, Transfer
Oct 27, 2005	Warranty Deed, Transfer · Conventional Mortgage NETBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2005 · Amount on Record
Deed Sale	Oct 27, 2005 · Amount on Record
Deed Document Number	20053743
Deed Book / Page	2005 / 3743
Last Transfer Date	May 13, 2022
Transfer Doc	02022/1331
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	317 E 5TH ST, SPENCER, IA 51301-5016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2274
Date	Oct 10, 2023
Book Page	2023/2274
Instrument	2023 2274

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	317 E 5TH ST, SPENCER, IA 51301-5016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1582
Date	Jun 16, 2022
Book Page	2022/1582
Instrument	2022 1582

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	317 E 5TH ST, SPENCER, IA 51301-5016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/0134
Date	Jan 17, 2006
Book Page	2006/0134
Instrument	2006 0134

Lender

Name	M & I BANK FSB
Type	Bank
Address	LAS VEGAS, NV 89109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2031

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	May 23, 2022
Property Address	317 E 5TH ST, SPENCER, IA 51301-5016
Document Number	02022/1331
Book / Page	2022 / 1331
Instrument Date	May 13, 2022
Instrument	2022 1331
Transaction Type	Transfer
Record Updated	Jun 29, 2022

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
Address	317 E 5TH ST, SPENCER, IA 51301-5016

October 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2005
Property Address	317 E 5TH ST, SPENCER, IA 51301-5016
Document Number	02005/3743
Book / Page	2005 / 3743
Instrument Date	Oct 8, 2005
Instrument	2005 3743
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.40
Amount Accuracy	Tax Sale
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 E 5TH ST, SPENCER, IA 51301-5016

Mortgage

Document Number	0020053744
Date	Oct 27, 2005
Instrument	2005 3744

Lender

Name	NETBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

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	$2,880.00 (+2.56%) Homeowner's exemption	$198,940 (+7.16%) Land $21,000 Building $177,940	$198,940 (+7.16%) Land $21,000 Building $177,940
2024	$2,808.00 (+1.74%)
2023		$185,640 (+12.16%) Land $16,200 Building $169,440	$185,640 (+12.16%) Land $16,200 Building $169,440
2022	$2,760.00 Homeowner's exemption	$165,520 Land $16,200 Building $149,320
2021			$165,520 Land $16,200 Building $149,320

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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