602 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 602 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,104 sqft · built 1953
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$141,500 (Nov 2019)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Jan 2023 Transfer Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607481001`

Property Details

APN / Parcel Number

Primary APN	`963607481001`
Alternative APN	`64096360748100100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,104 sqft Total Area
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Duplex Single
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	99 sqft
Patio Area	396 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	602 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5021
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	10 2 PALMERS N 50' 11 2 PALMERS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	PALMER'S SUBURBAN LOTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2019
Census Tract	80200

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	422 6TH AVE E, SPENCER, IA 51301-5029
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Intrafamily Transfer, Transfer
Nov 19, 2019	Warranty Deed, Transfer · FHA Mortgage PREMIER LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2019 · Amount on Record
Deed Sale	Nov 19, 2019 · Amount on Record
Deed Document Number	20193091
Deed Book / Page	2019 / 3091
Last Transfer Date	Jan 26, 2023
Transfer Doc	002023/116
Record Updated	Oct 29, 2026

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jan 27, 2023
Property Address	602 E 5TH ST, SPENCER, IA 51301-5021
Document Number	002023/116
Book / Page	2023 / 116
Instrument Date	Jan 26, 2023
Instrument	2023 116
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 6TH AVE E, SPENCER, IA 51301-5029

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 19, 2019
Property Address	602 E 5TH ST, SPENCER, IA 51301-5021
Document Number	02019/3091
Book / Page	2019 / 3091
Instrument Date	Nov 13, 2019
Instrument	3091
Transaction Type	Transfer
Record Updated	Feb 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E 5TH ST, SPENCER, IA 51301-5021

Mortgage

Document Number	02019/3092
Date	Nov 19, 2019
Book Page	2019/3092
Instrument	3092

Lender

Name	PREMIER LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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	$2,486.00 (-9.47%) Homeowner's exemption	$187,770 (-3.96%) Land $17,850 Building $169,920	$187,770 (-3.96%) Land $17,850 Building $169,920
2024	$2,746.00 (+1.18%)
2023		$195,520 (+19.99%) Land $13,770 Building $181,750	$195,520 (+19.99%) Land $13,770 Building $181,750
2022	$2,714.00 Homeowner's exemption	$162,950 Land $13,770 Building $149,180
2021			$162,950 Land $13,770 Building $149,180

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

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