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

Clay County property record for 615 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,441 sqft · built 1904
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,690 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607480026`

Property Details

APN / Parcel Number

Primary APN	`963607480026`
Alternative APN	`68296360748002600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,441 sqft Living Area
1st Floor Area	692 sqft
Attic	Attic
Attic Area	381 sqft
Basement Area	692 sqft
Unfinished Basement	692 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,120 sqft (0.209 acres)
Lot Dimensions	152 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	288 sqft
Deck Area	142 sqft
Patio Area	142 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	615 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 152' 25 & E 10' 26 & S 2' OF E 10' 29 3 PALMERS SUB
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	2006
Census Tract	80200

Owner

Source: Clay County records, as of October 9, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	615 E 5TH ST, SPENCER, IA 51301-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Dec 3, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Sep 11, 2026
Property Address	615 E 5TH ST, SPENCER, IA 51301-5022
Document Number	0000002276
Book / Page	2026 / 2276
Instrument Date	Apr 6, 2026
Instrument	20262276
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 5TH ST, SPENCER, IA 51301-5022

Mortgage

Document Number	0000002276,
Date	Sep 11, 2026
Book Page	2026/2276
Instrument	20262276

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	476 Months
Due	May 1, 2066

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	615 E 5TH ST, SPENCER, IA 51301-5022
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3836
Date	Dec 3, 2020
Book Page	2020/3836
Instrument	2020 3836

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Mar 1, 2048

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	$1,690.00 (+4.32%)	$110,340 (+9.03%) Land $21,420 Building $88,920	$110,340 (+9.03%) Land $21,420 Building $88,920
2024	$1,620.00 (+8.29%)
2023		$101,200 (+19.17%) Land $16,520 Building $84,680	$101,200 (+19.17%) Land $16,520 Building $84,680
2022	$1,496.00	$84,920 Land $16,520 Building $68,400
2021			$84,920 Land $16,520 Building $68,400

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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