516 5th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 516 5th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,079 sqft · built 1900
Lot Size	0.218 acres (9,514 sqft)
Owner	Individual Name on Record
Last Sale	$82,500 (Mar 2014)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607455002`

Property Details

APN / Parcel Number

Primary APN	`963607455002`
Alternative APN	`68296360745500200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,079 sqft Living Area
1st Floor Area	308 sqft
Basement Area	692 sqft
Unfinished Basement	308 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,514 sqft (0.218 acres)
Porch	Porch
Porch Area	105 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	516 5TH AVE E
City	SPENCER
State	IA
Zip	51301-5010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2 HIGHWA
Legal Description	N 1/2 11 5 3RD RY ALL 12 5 3RD RY
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 3RD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2007
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	516 5TH AVE E, SPENCER, IA 51301-5010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage IOWA STATE BANK
Sep 25, 2006	Deed of Trust, Mortgage THE CITY OF SPENCER
Jun 26, 2017	Deed of Trust, Mortgage · Stand-Alone First Mortgage IOWA STATE BANK
Mar 4, 2014	Legal Action/Court Order, Foreclosure · Line of Credit IOWA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2014 · Amount on Record
Deed Sale	Mar 4, 2014 · Amount on Record
Deed Document Number	2014528
Deed Book / Page	2014 / 528
Prior Transfer Date	Feb 27, 2014
Prior Transfer Doc	2014/0528
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	516 5TH AVE E, SPENCER, IA 51301-5010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1648
Date	Jun 26, 2017
Book Page	2017/1648
Instrument	1648

Lender

Name	IOWA STATE BANK
Type	Bank
Address	RUTHVEN, IA 51358

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Feb 27, 2044

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	516 5TH AVE E, SPENCER, IA 51301-5010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/2952
Date	Sep 25, 2006
Book Page	2006/2952
Instrument	2006 2952

Lender

Name	THE CITY OF SPENCER
Address	00000

Agreement

Amount	Amount Recorded

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	516 5TH AVE E, SPENCER, IA 51301-5010
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1648
Date	Jun 26, 2017
Book Page	2017/1648
Instrument	1648

Lender

Name	IOWA STATE BANK
Type	Bank
Address	RUTHVEN, IA 51358

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Feb 27, 2044

March 2014: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Mar 4, 2014
Property Address	516 5TH AVE E, SPENCER, IA 51301-5010
Document Number	002014/528
Book / Page	2014 / 528
Instrument Date	Feb 27, 2014
Instrument	2014 0528
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 E 5TH ST, SPENCER, IA 51301-5020

Mortgage

Document Number	0020140530
Date	Mar 4, 2014
Instrument	2014 0530

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 27, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$1,214.00	$24,380 (-67.87%) Land $24,380	$24,380 (-67.87%) Land $24,380
2024	$1,214.00 (+6.3%)
2023		$75,890 (+17.06%) Land $18,810 Building $57,080	$75,890 (+17.06%) Land $18,810 Building $57,080
2022	$1,142.00	$64,830 Land $18,810 Building $46,020
2021			$64,830 Land $18,810 Building $46,020

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

Flood

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 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	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 Risk	Low lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 371 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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