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511 E 2nd St, Spencer, IA 51301 Property Records

Clay County property record for 511 E 2nd St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 744 sqft · built 1920
Lot Size0.13 acres (5,676 sqft)
OwnerCompany Name on Record
Last Sale$42,500 (Mar 2020)
Tax Bill$984 (2025)
Deeds & MortgagesMar 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963618204015

Property Details

APN / Parcel Number

Primary APN963618204015
Alternative APN
  • 64096361820401500

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area744 sqft Living Area
1st Floor Area576 sqft
Basement Area576 sqft
Unfinished Basement576 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area5,676 sqft (0.13 acres)
Lot Dimensions129 ft deep x 44 ft wide
Garage TypeDetached
Garage Area264 sqft
Parking Spaces1 Parking Space
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address511 E 2ND ST
CitySPENCER
StateIA
Zip51301-5240
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionE 44' OF S 129' 3 EGLESTON IRREG.
Legal Range36W
Legal Township96N
Legal Section18
Legal SubdivisionEGLESTON IRREGULAR
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2027
Census Tract80200

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 RecordCompany Name on Record
Mailing Address1315 440TH ST, PETERSON, IA 51047-7040
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 16, 2020 · Amount on Record
Deed SaleMar 16, 2020 · Amount on Record
Prior SaleMar 3, 2006 · Amount on Record
Deed Document Number2020634
Deed Book / Page2020 / 634
Record UpdatedOct 29, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMar 16, 2020
Property Address511 E 2ND ST, SPENCER, IA 51301-5240
Document Number2020/634
Book / Page2020 / 634
Instrument DateMar 9, 2020
Instrument634
Transaction TypeTransfer
Record UpdatedOct 11, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2051 358TH ST, SPENCER, IA 51301-7539

Mortgage

Document Number635
DateMar 16, 2020
Instrument635
Lender
NameIOWA STATE BANK
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

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$984.00 (-0.2%)$64,240 (+4.3%) Land $15,090 Building $49,150$64,240 (+4.3%) Land $15,090 Building $49,150
2024$986.00 (+6.48%)
2023$61,590 (+17.05%) Land $11,640 Building $49,950$61,590 (+17.05%) Land $11,640 Building $49,950
2022$926.00$52,620 Land $11,640 Building $40,980
2021$52,620 Land $11,640 Building $40,980

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
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

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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