Clay County property record for 720 2nd Ave E, Spencer, IA 51301 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,000 sqft · built 1885 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,306 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607340003 |
| Primary APN | 963607340003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,000 sqft Living Area |
| 1st Floor Area | 588 sqft |
| Basement Area | 294 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1885 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Lot Area | 7,100 sqft (0.162 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 736 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 145 sqft |
| Deck Area | 108 sqft |
| Patio Area | 108 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360734000300 |
|---|---|
| Street Address | 720 2ND AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-4401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 16 COLLEGE |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | COLLEGE ADDITION |
| Legal Lot Number | 11 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607340003
Assessment roll updated May 1, 2025 · Last verified October 2025
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 File |
|---|---|
| Mailing Address | 720 2ND AVE E, SPENCER, IA 51301-4401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 05, 2002 |
| Deed Sale | Mar 05, 2002 |
| Deed Document Number | 0002002959 |
| Record Updated | Jun 08, 2026 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $98,280 (+7.07%) Land $17,500 Building $80,780 | $98,280 (+7.07%) Land $17,500 Building $80,780 | |
| 2024 | $1,306.00 (+9.2%) | ||
| 2023 | $91,790 (+19.5%) Land $13,500 Building $78,290 | $91,790 (+19.5%) Land $13,500 Building $78,290 | |
| 2022 | $1,196.00 Homeowner's exemption | $76,810 Land $13,500 Building $63,310 | |
| 2021 | $76,810 Land $13,500 Building $63,310 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410802002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 11 individual NFIP policies nearby |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims By Storm |
|
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 451 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spencer Municipal Communications Utility | Fiber | 1,000 / 1,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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