631 7th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 631 7th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 462 sqft · built 1930
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on Record
Tax Bill	$648 (2025)
Deeds & Mortgages	Oct 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607417005`

Property Details

APN / Parcel Number

Primary APN	`963607417005`
Alternative APN	`68296360741700500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	462 sqft Living Area
Basement Area	346 sqft
Unfinished Basement	347 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Garage Type	Carport
Garage Area	160 sqft
Carport	Carport
Carport Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	631 7TH AVE E
City	SPENCER
State	IA
Zip	51301-4804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 45' OF N 100' 1-2 21 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3081
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	717 W 4TH ST, SPENCER, IA 51301-3204
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 14, 2016
Transfer Doc	02016/0173
Record Updated	Oct 29, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Oct 22, 2025
Property Address	631 7TH AVE E, SPENCER, IA 51301-4804
Document Number	02025/2503
Book / Page	2025 / 2503
Instrument Date	Sep 24, 2025
Instrument	2025 2503
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 W 4TH ST, SPENCER, IA 51301-3204

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	$648.00 (+4.52%)	$42,350 (+9.38%) Land $13,860 Building $28,490	$42,350 (+9.38%) Land $13,860 Building $28,490
2024	$620.00 (+3.68%)
2023		$38,720 (+14.25%) Land $10,690 Building $28,030	$38,720 (+14.25%) Land $10,690 Building $28,030
2022	$598.00	$33,890 Land $10,690 Building $23,200
2021			$33,890 Land $10,690 Building $23,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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