635 7th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 635 7th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1920
Lot Size	0.149 acres (6,490 sqft)
Owner	Individual Name on Record
Tax Bill	$886 (2025)
Deeds & Mortgages	Mar 2023 Transfer Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607417004`

Property Details

APN / Parcel Number

Primary APN	`963607417004`
Alternative APN	`68296360741700400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Finished Basement	400 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,490 sqft (0.149 acres)
Lot Dimensions	118 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Gravity Furnace
Water Source	Commercial

Location & Zoning

Street Address	635 7TH AVE E
City	SPENCER
State	IA
Zip	51301-4804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 55' 1-2 21 COLLEGE E 18' N 55' 3 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 December 2, 2025

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	635 7TH AVE E, SPENCER, IA 51301-4804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2023	Intrafamily Transfer, Transfer
Oct 20, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 28, 2023
Transfer Doc	002023/348
Record Updated	Jun 8, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Mar 3, 2023
Property Address	635 7TH AVE E, SPENCER, IA 51301-4804
Document Number	002023/348
Book / Page	2023 / 348
Instrument Date	Feb 28, 2023
Instrument	2023 348
Transaction Type	Transfer
Record Updated	Apr 12, 2023

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	635 7TH AVE E, SPENCER, IA 51301-4804

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Oct 20, 2021
Property Address	635 7TH AVE E, SPENCER, IA 51301-4804
Document Number	02021/3286
Book / Page	2021 / 3286
Instrument Date	Sep 22, 2021
Instrument	2021 3286
Transaction Type	Transfer
Record Updated	Apr 12, 2023

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	635 7TH AVE E, SPENCER, IA 51301-4804

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	$886.00 Homeowner's exemption	$83,060 (+4.83%) Land $18,100 Building $64,960	$83,060 (+4.83%) Land $18,100 Building $64,960
2024	$886.00 (-25.55%)
2023		$79,230 (+17.26%) Land $13,960 Building $65,270	$79,230 (+17.26%) Land $13,960 Building $65,270
2022	$1,190.00 Homeowner's exemption	$67,570 Land $13,960 Building $53,610
2021			$67,570 Land $13,960 Building $53,610

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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