610 E 2nd St, Spencer, IA 51301 Property Records

Clay County property record for 610 E 2nd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1900
Lot Size	0.143 acres (6,250 sqft)
Owner	Company Name on File
Last Sale	$41,500 (Jun 2008)
Tax Bill	$1,050 (2025)
Deeds & Mortgages	Apr 2025 Transfer Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618227003`

Property Details

APN / Parcel Number

Primary APN	`963618227003`
Alternative APN	`64096361822700300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	480 sqft
Basement Area	240 sqft
Unfinished Basement	240 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	125 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	610 E 2ND ST
City	SPENCER
State	IA
Zip	51301-5241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 4 BURGIN'S ADD
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	BURGINS ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2035
Census Tract	80200

Owner

610 E 2nd St is owned by a company that bought it in June 2008.

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 Record	Company Name on File
Mailing Address	2051 358TH ST, SPENCER, IA 51301-7539
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2025	Intrafamily Transfer, Transfer
Apr 14, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHSTAR BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2008 · Amount on File
Deed Sale	Jun 6, 2008 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Document Number	20081693
Deed Book / Page	2008 / 1693
Prior Transfer Date	May 9, 2008
Prior Transfer Doc	02008/1693
Record Updated	Oct 29, 2026

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Apr 18, 2025
Property Address	610 E 2ND ST, SPENCER, IA 51301-5241
Document Number	002025/885
Book / Page	2025 / 885
Instrument Date	Apr 7, 2025
Instrument	2025 885
Transaction Type	Transfer
Record Updated	Sep 30, 2025

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	2051 358TH ST, SPENCER, IA 51301-7539

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 14, 2020
Property Address	610 E 2ND ST, SPENCER, IA 51301-5241
Document Number	002020/924
Book / Page	2020 / 924
Instrument Date	Apr 13, 2020
Instrument	924
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 358TH ST, SPENCER, IA 51301-7539

Mortgage

Document Number	002020/925
Date	Apr 14, 2020
Book Page	2020/925
Instrument	925

Lender

Name	NORTHSTAR BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

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	$1,050.00 (+3.96%)	$68,620 (+8.87%) Land $16,980 Building $51,640	$68,620 (+8.87%) Land $16,980 Building $51,640
2024	$1,010.00 (+7.45%)
2023		$63,030 (+18.1%) Land $13,100 Building $49,930	$63,030 (+18.1%) Land $13,100 Building $49,930
2022	$940.00	$53,370 Land $13,100 Building $40,270
2021			$53,370 Land $13,100 Building $40,270

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

Flood

FEMA maps place 610 E 2nd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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 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

Wildfire risk around 610 E 2nd St 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 99.1% 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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