Clay County property record for 709 E 1st St, Spencer, IA 51301
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2.5 ba · 1,776 sqft · built 1900 |
| Lot Size | 0.287 acres (12,500 sqft) |
| Owner | Company Name on File |
| Last Sale | $87,000 (Mar 2022) |
| Tax Bill | $1,782 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618227012 |
| Primary APN | 963618227012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,776 sqft Total Area |
| 1st Floor Area | 704 sqft |
| Basement Area | 352 sqft |
| Unfinished Basement | 352 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Colonial |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,500 sqft (0.287 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Mixed |
| Garage Area | 476 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 176 sqft |
| Deck Area | 260 sqft |
| Patio Area | 148 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 709 E 1ST ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5228 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 14-15 4 BURGIN'S ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 18 |
| Legal Subdivision | BURGINS ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 80200 |
709 E 1st St, a duplex, is owned by a company that bought it in March 2022.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3210 170TH AVE, EVERLY, IA 51338-7509 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2022 · Amount on File |
| Deed Sale | Mar 9, 2022 · Amount on File |
| Prior Sale | Feb 6, 2008 · Amount on File |
| Deed Document Number | 2022608 |
| Deed Book / Page | 2022 / 608 |
| Prior Transfer Date | Feb 1, 2008 |
| Prior Transfer Doc | 2008/0376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 9, 2022 |
| Property Address | 709 E 1ST ST, SPENCER, IA 51301-5228 |
| Document Number | 002022/608 |
| Book / Page | 2022 / 608 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2022 608 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3210 170TH AVE, EVERLY, IA 51338-7509 |
| Document Number | 002022/609 |
|---|---|
| Date | Mar 9, 2022 |
| Book Page | 2022/609 |
| Instrument | 2022 609 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 709 E 1st St was $1,782, up 4.3% from the year before.
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 | $1,782.00 (+4.33%) | $116,380 Land $30,560 Building $85,820 | $116,380 Land $30,560 Building $85,820 |
| 2024 | $1,708.00 | ||
| 2023 | $106,670 (+3.43%) Land $23,570 Building $83,100 | $106,670 Land $23,570 Building $83,100 | |
| 2022 | $1,816.00 | $103,130 Land $23,570 Building $79,560 | |
| 2021 | $103,130 Land $23,570 Building $79,560 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 709 E 1st St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 File 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.
The area around 709 E 1st St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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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