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

Clay County property record for 614 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,693 sqft · built 1918
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Nov 2019)
Tax Bill	$2,628 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607481004`

Property Details

APN / Parcel Number

Primary APN	`963607481004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
1st Floor Area	1,092 sqft
Attic	Attic
Attic Area	601 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Vinyl
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	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	614 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 2 PALMERS N 50' 14 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	Individual Name on Record
Mailing Address	614 E 5TH ST, SPENCER, IA 51301-5021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STATE BANK
Nov 8, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2019 · Amount on Record
Deed Sale	Nov 8, 2019 · Amount on Record
Prior Sale	Sep 27, 2013 · Amount on Record
Deed Document Number	20192987
Deed Book / Page	2019 / 2987
Last Transfer Date	Jun 20, 2022
Transfer Doc	0000001678
Record Updated	Oct 29, 2026

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jun 27, 2022
Property Address	614 E 5TH ST, SPENCER, IA 51301-5021
Document Number	02022/1678
Book / Page	2022 / 1678
Instrument Date	Jun 20, 2022
Instrument	2022 1678
Transaction Type	Transfer
Record Updated	Aug 9, 2022

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	614 E 5TH ST, SPENCER, IA 51301-5021

Mortgage

Document Number	02022/1679
Date	Jun 27, 2022
Book Page	2022/1679
Instrument	2022 1679

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 8, 2019
Property Address	614 E 5TH ST, SPENCER, IA 51301-5021
Document Number	02019/2987
Book / Page	2019 / 2987
Instrument Date	Nov 7, 2019
Instrument	2987
Transaction Type	Transfer
Record Updated	Aug 9, 2022

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	614 E 5TH ST, SPENCER, IA 51301-5021

Mortgage

Document Number	02019/2988
Date	Nov 8, 2019
Book Page	2019/2988
Instrument	2988

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$2,628.00 (-0.9%)	$171,650 (+3.59%) Land $17,850 Building $153,800	$171,650 (+3.59%) Land $17,850 Building $153,800
2024	$2,652.00 (+8.87%)
2023		$165,700 (+19.8%) Land $13,770 Building $151,930	$165,700 (+19.8%) Land $13,770 Building $151,930
2022	$2,436.00	$138,310 Land $13,770 Building $124,540
2021			$138,310 Land $13,770 Building $124,540

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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