707 6th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 707 6th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,189 sqft · built 1948
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,000 (Feb 2026)
Tax Bill	$2,556 (2025)
Deeds & Mortgages	Feb 2026 Foreclosure Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607415009`

Property Details

APN / Parcel Number

Primary APN	`963607415009`
Alternative APN	`64096360741500900`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,189 sqft Living Area
1st Floor Area	1,412 sqft
Attic	Attic
Attic Area	777 sqft
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	707 6TH AVE E
City	SPENCER
State	IA
Zip	51301-4803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 19 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2053
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	2 Individual Names on Record
Mailing Address	707 6TH AVE E, SPENCER, IA 51301-4803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Legal Action/Court Order, Foreclosure · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Sep 1, 2023	Affidavit of Death of Joint Tenant, Transfer
Aug 5, 2008	Warranty Deed, Transfer · ARM FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2026 · Amount on Record
Deed Sale	Feb 6, 2026 · Amount on Record
Prior Sale	Aug 5, 2008 · Amount on Record
Deed Document Number	2026314
Deed Book / Page	2026 / 314
Record Updated	Oct 29, 2026

February 2026: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Feb 6, 2026
Property Address	707 6TH AVE E, SPENCER, IA 51301-4803
Document Number	002026/314
Book / Page	2026 / 314
Instrument Date	Feb 5, 2026
Instrument	2026 314
Transaction Type	Foreclosure
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	707 6TH AVE E, SPENCER, IA 51301-4803
Investor	Possibly a Property Investor

Mortgage

Document Number	0002026315
Date	Feb 6, 2026
Instrument	2026 315

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Sep 1, 2023
Property Address	707 6TH AVE E, SPENCER, IA 51301-4803
Document Number	02023/1950
Book / Page	2023 / 1950
Instrument Date	Aug 30, 2023
Instrument	2023 1950
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 6TH AVE E, SPENCER, IA 51301-4803

August 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 5, 2008
Property Address	707 6TH AVE E, SPENCER, IA 51301-4803
Document Number	02008/2292
Book / Page	2008 / 2292
Instrument Date	Jul 28, 2008
Instrument	2008 2292
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	707 6TH AVE E, SPENCER, IA 51301-4803

Mortgage

Document Number	0020082293
Date	Aug 5, 2008
Instrument	2008 2293

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	300 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Aug 1, 2013
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Margin	3
Max Rate	11.1%

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	$2,556.00 (+7.94%) Homeowner's exemption	$166,960 (+5.61%) Land $17,500 Building $149,460	$166,960 (+5.61%) Land $17,500 Building $149,460
2024	$2,368.00 (+10.65%)
2023		$158,090 (+21.33%) Land $13,500 Building $144,590	$158,090 (+21.33%) Land $13,500 Building $144,590
2022	$2,140.00 Homeowner's exemption	$130,300 Land $13,500 Building $116,800
2021			$130,300 Land $13,500 Building $116,800

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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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