Clay County property record for 422 1st Ave E, Spencer, IA 51301
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 8,200 sqft · built 1940 |
| Lot Size | 0.188 acres (8,200 sqft) |
| Owner | Company Name on File |
| Tax Bill | $6,498 (2025) |
| Deeds & Mortgages | Jan 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607389013 |
| Primary APN | 963607389013 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 8,200 sqft Gross Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick |
| Roof Material | Urethane Foam |
| Lot Area | 8,200 sqft (0.188 acres) |
| Lot Dimensions | 100 ft deep x 82 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 422 1ST AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4001 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | N 82' 5-6 29 1ST RY ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | RAILWAY 1ST ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 80200 |
422 1st Ave E, a commercial property, is owned by a company.
Source: Clay County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1903 24TH AVE W, SPENCER, IA 51301-2604 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jan 20, 2023 |
| Property Address | 422 1ST AVE E, SPENCER, IA 51301-4001 |
| Document Number | 0002023/94 |
| Book / Page | 2023 / 94 |
| Instrument Date | Jan 13, 2023 |
| Instrument | 2023 94 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $399.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 SEWELL ST S, WELCOME, MN 56181-9635 |
The 2025 property tax bill for 422 1st Ave E was $6,498, up 9.8% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,498.00 (+9.84%) | $274,190 Land $41,000 Building $233,190 | $274,190 Land $41,000 Building $233,190 |
| 2024 | $5,916.00 | ||
| 2023 | $238,790 (+27.88%) Land $57,730 Building $181,060 | $238,790 Land $57,730 Building $181,060 | |
| 2022 | $4,030.00 | $186,730 Land $57,730 Building $129,000 | |
| 2021 | $186,730 Land $57,730 Building $129,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 422 1st Ave E 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 |
|
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.
The area around 422 1st Ave E has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 484 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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