Clay County property record for 705 E 5th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,655 sqft · built 1895 |
| Lot Size | 0.262 acres (11,425 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,312 (2025) |
| Deeds & Mortgages | May 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607480006 |
| Primary APN | 963607480006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,655 sqft Living Area |
| 1st Floor Area | 696 sqft |
| Attic | Attic |
| Attic Area | 383 sqft |
| Basement Area | 348 sqft |
| Unfinished Basement | 348 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 11,425 sqft (0.262 acres) |
| Garage Type | Mixed |
| Garage Area | 1,126 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 48 sqft |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 705 E 5TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 23 3 PALMER |
| 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 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 705 E 5TH ST, SPENCER, IA 51301-5024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 705 E 5TH ST, SPENCER, IA 51301-5024 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/1152 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 2019/1152 |
| Instrument | 1152 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2029 |
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 | $2,312.00 (-4.93%) Homeowner's exemption | $176,460 (+8.83%) Land $19,950 Building $156,510 | $176,460 (+8.83%) Land $19,950 Building $156,510 |
| 2024 | $2,432.00 (+10.24%) | ||
| 2023 | $162,140 (+20.95%) Land $15,390 Building $146,750 | $162,140 (+20.95%) Land $15,390 Building $146,750 | |
| 2022 | $2,206.00 Homeowner's exemption | $134,060 Land $15,390 Building $118,670 | |
| 2021 | $134,060 Land $15,390 Building $118,670 |
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 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 |
|
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 | 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.
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 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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