Clay County property record for 538 Prospect Dr, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1962 |
| Lot Size | 0.212 acres (9,222 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,628 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963712378001 |
| Primary APN | 963712378001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,232 sqft Living Area |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,100 sqft |
| Unfinished Basement | 1,232 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Split Foyer |
| Exterior Material | Shingles |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,222 sqft (0.212 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 538 PROSPECT DR |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-3060 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 16 4 WESTSHIRE |
| Legal Range | 37W |
| Legal Township | 96N |
| Legal Section | 12 |
| Legal Subdivision | WESTSHIRE ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 80301 |
538 Prospect Dr is owned and occupied by two individuals.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 PROSPECT DR, SPENCER, IA 51301-3060 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 538 Prospect Dr was $3,628 with a homeowner's exemption, up 4.9% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,628.00 (+4.92%) Homeowner's exemption | $247,770 Land $33,040 Building $214,730 | $247,770 Land $33,040 Building $214,730 |
| 2024 | $3,458.00 | ||
| 2023 | $226,250 (+24.28%) Land $26,430 Building $199,820 | $226,250 Land $26,430 Building $199,820 | |
| 2022 | $3,050.00 Homeowner's exemption | $182,050 Land $26,430 Building $155,620 | |
| 2021 | $182,050 Land $26,430 Building $155,620 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Prospect Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 2 of 4 |
| 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.
Wildfire risk around 538 Prospect Dr is low, with less than a 0.01% annual chance of 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.
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 301 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: Nextlink, Verizon.
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