Clay County property record for 611 E 5th St, Spencer, IA 51301
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.198 acres (8,625 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $302 (2025) |
| Deeds & Mortgages | Feb 2023 Foreclosure |
| Flood Zone | Zone X (moderate risk) |
| APN | 963618404022 |
| Primary APN | 963618404022 |
|---|---|
| Alternative APN |
|
| Lot Area | 8,625 sqft (0.198 acres) |
|---|---|
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Street Address | 611 E 5TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5022 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | 9 RIVER PARK 1ST |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 18 |
| Legal Subdivision | RIVER PARK 1ST ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 80200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 703 5TH AVE SE, SPENCER, IA 51301-5447 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Feb 9, 2023 |
| Property Address | 611 E 5TH ST, SPENCER, IA 51301-5022 |
| Document Number | 002023/208 |
| Book / Page | 2023 / 208 |
| Instrument Date | Feb 8, 2023 |
| Instrument | 2023 208 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 8, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27.20 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 002023/210 |
|---|---|
| Date | Feb 9, 2023 |
| Book Page | 2023/210 |
| Instrument | 2023 210 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $302.00 (+36.04%) | $19,740 (+42.84%) Land $19,740 | $19,740 (+42.84%) Land $19,740 |
| 2024 | $222.00 (-9.02%) | ||
| 2023 | $13,820 (-) Land $13,820 | $13,820 (-) Land $13,820 | |
| 2022 | $244.00 | $13,820 Land $13,820 | |
| 2021 | $13,820 Land $13,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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.
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 | 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 224 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 |
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