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

Clay County property record for 610 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 992 sqft · built 1918
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (Sep 2021)
Tax Bill	$1,694 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607481003`

Property Details

APN / Parcel Number

Primary APN	`963607481003`
Alternative APN	`64096360748100300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	992 sqft Living Area
Basement Area	992 sqft
Finished Basement	200 sqft
Unfinished Basement	992 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
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	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	610 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 2 PALMERS N 50' 13 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	6424 ROLLING HILLS BLVD, LINCOLN, NE 68512-2206
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Commercial Mortgage FRONTIER BANK
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2021 · Amount on Record
Deed Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	20212838
Deed Book / Page	2021 / 2838
Last Transfer Date	Oct 27, 2025
Transfer Doc	0000002578
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	610 E 5TH ST, SPENCER, IA 51301-5021
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/934
Date	Mar 25, 2021
Book Page	2021/934
Instrument	2021 934

Lender

Name	FRONTIER BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 7, 2021
Property Address	610 E 5TH ST, SPENCER, IA 51301-5021
Document Number	02021/2838
Book / Page	2021 / 2838
Instrument Date	Sep 2, 2021
Instrument	2021 2838
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 E 5TH ST, SPENCER, IA 51301-5021

Mortgage

Document Number	02021/2839
Date	Sep 7, 2021
Book Page	2021/2839
Instrument	2021 2839

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

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	$1,694.00 (+0.12%) Homeowner's exemption	$121,470 (+4.79%) Land $17,850 Building $103,620	$121,470 (+4.79%) Land $17,850 Building $103,620
2024	$1,692.00 (+7.91%)
2023		$115,920 (+18.48%) Land $13,770 Building $102,150	$115,920 (+18.48%) Land $13,770 Building $102,150
2022	$1,568.00	$97,840 Land $13,770 Building $84,070
2021			$97,840 Land $13,770 Building $84,070

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 97% of the US · lower than 76% 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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