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

Clay County property record for 401 E 1st St, Spencer, IA 51301

Property Summary

Property TypeWarehouse, Storage
Details4,860 sqft · built 1968
Lot Size0.16 acres (6,970 sqft)
Owner2 Trust Names on File
Last Sale$120,000 (Nov 2023)
Tax Bill$778 (2025)
Deeds & MortgagesApr 2026 Transfer
Flood ZoneZone X (minimal risk)
APN963618206006

Property Details

APN / Parcel Number

Primary APN963618206006
Alternative APN
  • 64096361820600600

Interior

Stories1 Story
Building Area4,860 sqft Gross Area

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Exterior MaterialMetal
Construction TypeFrame
Roof MaterialMetal
Lot Area6,970 sqft (0.16 acres)

Utilities, Heating & Cooling

Heating FuelGas
Water SourceCommercial

Location & Zoning

Street Address401 E 1ST ST
CitySPENCER
StateIA
Zip51301-5275
Property CategoryIndustrial
Property TypeIndustrial > Warehouse, Storage
Local Zoning CodeC-2 HIGHWA
Legal DescriptionS 65' LOTS 7 & 8 BLK 11 BURGIN'S ADD BEING W OF FORMER SPUR TRACKS
Legal Range36W
Legal Township96N
Legal Section18
Legal SubdivisionBURGINS ADDITION
Legal Block11
Legal Lot Number7,8
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2029
Census Tract80200

Owner

401 E 1st St, an industrial property, is held in a trust since February 2026.

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

Owner of Record2 Trust Names on File
Mailing AddressPO BOX 196, ROYAL, IA 51357-0196
Owner TypeCompany
VestingTrust, Revocable Living Trust

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 Names2 Names on Deed
Last SaleNov 2, 2023 · Amount on File
Deed SaleNov 2, 2023 · Amount on File
Deed Document Number20232503
Deed Book / Page2023 / 2503
Last Transfer DateFeb 6, 2026
Transfer Doc0000000790
Record UpdatedOct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateApr 8, 2026
Property Address401 E 1ST ST, SPENCER, IA 51301-5275
Document Number0000000790
Book / Page2026 / 790
Instrument DateFeb 6, 2026
Instrument2026790
Transaction TypeTransfer
Record UpdatedAug 27, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Quitclaim
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Living Trust

Tax Assessment & Valuation

The 2025 property tax bill for 401 E 1st St was $778, up 19.3% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$778.00 (+19.33%)$50,790 Land $10,450 Building $40,340$50,790 Land $10,450 Building $40,340
2024$652.00
2023$40,710 (+10.47%) Land $17,870 Building $22,840$40,710 Land $17,870 Building $22,840
2022$650.00$36,850 Land $17,870 Building $18,980
2021$36,850 Land $17,870 Building $18,980

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 401 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 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 401 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 RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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