Clay County property record for 520 2nd Ave E, #1, Spencer, IA 51301
| Property Type | Commercial |
|---|---|
| Lot Size | 1.13 acres (49,223 sqft) |
| Owner | Company Name on File |
| Flood Zone | Zone X (minimal risk) |
| APN | 963608301001 |
| Primary APN | 963608301001 |
|---|---|
| Alternative APN |
|
| Lot Area | 49,223 sqft (1.13 acres) |
|---|
| Old Parcel Number | 68296360830100100 |
|---|---|
| Street Address | 520 2ND AVE E STE 1, 1 |
| City | SPENCER |
| State | IA |
| Zip | 51301-5033 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | B SPENCER MUL |
| Legal Description | TR 200' X 250' IN NW COR NW SW 8-96-36 L & I |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 08 |
| Legal Subdivision | L & I |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 80200 |
Source: Clay County records, as of September 29, 2025
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 | 520 2ND AVE E STE 1, 1, SPENCER, IA 51301-5033 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $44,990 (+0.16%) Land $39,550 Building $5,440 | $44,990 (+0.16%) Land $39,550 Building $5,440 |
| 2023 | $44,920 Land $39,550 Building $5,370 | $44,920 Land $39,550 Building $5,370 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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.
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 231 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: GigFire, Nextlink, Verizon.
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