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

Clay County property record for 322 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 1,880 sqft · built 1948
Lot Size	0.104 acres (4,550 sqft)
Owner	Company Name on File
Last Sale	$92,000 (Apr 2022)
Tax Bill	$1,864 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618208009`

Property Details

APN / Parcel Number

Primary APN	`963618208009`
Alternative APN	`64096361820800900`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,880 sqft Total Area
1st Floor Area	920 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,550 sqft (0.104 acres)
Lot Dimensions	70 ft deep x 65 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	322 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5220
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	N 70' OF E 65' OF N 1/2 22 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

322 E 1st St, a duplex, is owned by a company that bought it in April 2022.

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

Owner of Record	Company Name on File
Mailing Address	3195 180TH AVE, SPENCER, IA 51301-7506
Owner Type	Company
Vesting	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2022 · Amount on File
Deed Sale	Apr 14, 2022 · Amount on File
Deed Document Number	2022928
Deed Book / Page	2022 / 928
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	322 E 1ST ST, SPENCER, IA 51301-5220
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002022/929
Date	Apr 14, 2022
Book Page	2022/929
Instrument	2022 929

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 322 E 1st St was $1,864, up 0.8% 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	$1,864.00 (+0.76%)	$121,780 Land $15,930 Building $105,850	$121,780 Land $15,930 Building $105,850
2024	$1,850.00
2023		$115,550 (+38.9%) Land $12,290 Building $103,260	$115,550 Land $12,290 Building $103,260
2022	$1,466.00	$83,190 Land $12,290 Building $70,900
2021			$83,190 Land $12,290 Building $70,900

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

Flood

FEMA maps place 322 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 322 E 1st St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 224 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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