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521 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 521 6th Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details1 bd · 1 ba · 616 sqft · built 1938
Lot Size0.055 acres (2,379 sqft)
OwnerIndividual Name on Record
Last Sale$25,000 (Aug 2022)
Tax Bill$770 (2025)
Flood ZoneZone X (minimal risk)
APN963607455005

Property Details

APN / Parcel Number

Primary APN963607455005
Alternative APN
  • 68296360745500500

Interior

Bedrooms1 Bed
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area616 sqft Living Area
Basement Area616 sqft
Unfinished Basement616 sqft
Game RoomGame Room
FlooringHardwood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1938
Effective Year BuiltEffective 1938
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialShingle
Lot Area2,379 sqft (0.055 acres)
Garage TypeDetached
Garage Area330 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address521 6TH AVE E
CitySPENCER
StateIA
Zip51301-5032
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeC-2 HIGHWA
Legal DescriptionW 78' 1 5 3RD RY W 78' OF N 3' 2 5 3RD RY ADD
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionRAILWAY 3RD ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2007
Census Tract80200

Owner

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 RecordIndividual Name on Record
Mailing Address521 6TH AVE E, SPENCER, IA 51301-5032
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 16, 2022 · Amount on Record
Deed SaleAug 16, 2022 · Amount on Record
Deed Document Number20222132
Deed Book / Page2022 / 2132
Record UpdatedOct 29, 2026

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$770.00 (+1.58%) Homeowner's exemption$61,170 (+6.14%) Land $3,530 Building $57,640$61,170 (+6.14%) Land $3,530 Building $57,640
2024$758.00 (+10.5%)
2023$57,630 (+20.49%) Land $2,720 Building $54,910$57,630 (+20.49%) Land $2,720 Building $54,910
2022$686.00 Homeowner's exemption$47,830 Land $2,720 Building $45,110
2021$47,830 Land $2,720 Building $45,110

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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