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601 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 601 6th Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 812 sqft · built 1947
Lot Size0.125 acres (5,450 sqft)
OwnerCompany Name on Record
Tax Bill$150 (2025)
Deeds & MortgagesNov 2025 Construction Loan
Jul 2022 Transfer
Flood ZoneZone X (minimal risk)
APN963607415015

Property Details

APN / Parcel Number

Primary APN963607415015
Alternative APN
  • 68296360741501500

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area812 sqft Living Area
Basement Area812 sqft
Finished Basement350 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Exterior MaterialOther
Construction TypeFrame
Foundation TypeBlock
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area5,450 sqft (0.125 acres)
Garage TypeDetached
Garage Area288 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address601 6TH AVE E
CitySPENCER
StateIA
Zip51301-4801
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionE 100' 10 19 COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2053
Census Tract80200

Owner

Source: Clay County records, as of October 9, 2026

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

Owner of RecordCompany Name on Record
Mailing Address710 LAKE ST, SPIRIT LAKE, IA 51360-1600
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Nov 26, 2025Deed of Trust, Mortgage · Construction Mortgage
NORTHWEST BANK
Jul 28, 2022Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateJul 27, 2022
Transfer Doc0000001977
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address601 6TH AVE E, SPENCER, IA 51301-4801
Transaction TypeMortgage
Record UpdatedDec 23, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 754, SPIRIT LAKE, IA 51360-0754

Mortgage

Document Number02025/2803
DateNov 26, 2025
Book Page2025/2803
Instrument2025 2803
Lender
NameNORTHWEST BANK
TypeBank
AddressSPIRIT LAKE, IA 51360
Agreement
TypeConstruction Mortgage
AmountAmount Recorded

July 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateJul 28, 2022
Property Address601 6TH AVE E, SPENCER, IA 51301-4801
Document Number02022/1977
Book / Page2022 / 1977
Instrument DateJul 27, 2022
Instrument2022 1977
Transaction TypeTransfer
Record UpdatedOct 12, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address101 W 5TH ST, SPENCER, IA 51301-3821

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$150.00$12,220 (+29.59%) Land $12,220$12,220 (+29.59%) Land $12,220
2024$150.00 (-44.03%)
2023$9,430 (-38.12%) Land $9,430$9,430 (-38.12%) Land $9,430
2022$268.00 Homeowner's exemption$15,240 Land $13,460 Building $1,780
2021$15,240 Land $13,460 Building $1,780

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 99.1% of the US · lower than 91% 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 451 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
AT&T
Fixed Wireless		100 / 20

May also be available: Nextlink, Verizon.

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