Clay County property record for 418 2nd Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,432 sqft · built 1903 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $38,500 (Jul 1999) |
| Tax Bill | $980 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607390002 |
| Primary APN | 963607390002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,432 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 744 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1903 |
|---|---|
| Architectural Style | Colonial |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 136 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360739000200 |
|---|---|
| Street Address | 418 2ND AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-5002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B SPENCER MUL |
| Legal Description | C 50' 5-6 9 3RD RY |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | RAILWAY 3RD ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607390002
Assessment roll updated May 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 726, SPENCER, IA 51301-0726 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 15, 1999 · Amount on Record |
| Deed Sale | Jul 15, 1999 · Amount on Record |
| Deed Document Number | 0019994603 |
| Record Updated | Jun 08, 2026 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $66,100 (+8.08%) Land $15,400 Building $50,700 | $66,100 (+8.08%) Land $15,400 Building $50,700 | |
| 2024 | $980.00 (+7.69%) | ||
| 2023 | $61,160 (+18.32%) Land $11,880 Building $49,280 | $61,160 (+18.32%) Land $11,880 Building $49,280 | |
| 2022 | $910.00 | $51,690 Land $11,880 Building $39,810 | |
| 2021 | $51,690 Land $11,880 Building $39,810 |
Source: FEMA National Flood Hazard Layer as of February 21, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Communications Utility Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group.
Based on FCC filings for 484 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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