520 E 1st St, Spencer, IA 51301 Property Records

Clay County property record for 520 E 1st St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 881 sqft · built 1940
Lot Size	0.15 acres (6,550 sqft)
Owner	Individual Name on File
Tax Bill	$892 (2025)
Deeds & Mortgages	May 2018 Mortgage Jul 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963618209008`

Property Details

APN / Parcel Number

Primary APN	`963618209008`
Alternative APN	`64096361820900800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	881 sqft Living Area
Basement Area	881 sqft
Finished Basement	375 sqft
Unfinished Basement	881 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,550 sqft (0.15 acres)
Lot Dimensions	131 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	520 E 1ST ST
City	SPENCER
State	IA
Zip	51301-5223
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 H W SMITH SUB
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	HW SMITH SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2034
Census Tract	80200

Owner

520 E 1st St is owned and occupied by an individual who acquired it in April 2008.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	520 E 1ST ST, SPENCER, IA 51301-5223
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 16, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Jul 11, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Apr 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 23, 2008
Transfer Doc	2008/1193
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 1ST ST, SPENCER, IA 51301-5223
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001237
Date	May 16, 2018
Book Page	0000002018/0000001237
Instrument	000000001237

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	104 Months
Due	Jan 1, 2027

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 1ST ST, SPENCER, IA 51301-5223
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1779
Date	Jul 11, 2017
Book Page	2017/1779
Instrument	1779

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jun 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 1ST ST, SPENCER, IA 51301-5223
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/742
Date	Mar 24, 2020
Book Page	2020/742
Instrument	742

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	520 E 1ST ST, SPENCER, IA 51301-5223
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/948
Date	Apr 22, 2019
Book Page	2019/948
Instrument	948

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	97 Months
Due	May 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 520 E 1st St was $892 with exemptions applied, up 16.4% from the year before.

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	$892.00 (+16.45%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$89,230 Land $17,150 Building $72,080	$89,230 Land $17,150 Building $72,080
2024	$766.00
2023		$83,380 (+19.47%) Land $13,230 Building $70,150	$83,380 Land $13,230 Building $70,150
2022	$880.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$69,790 Land $13,230 Building $56,560
2021			$69,790 Land $13,230 Building $56,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 E 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 A, within 500 ft
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	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

The area around 520 E 1st St 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.

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.

Nearby Properties on E 1st St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures