Clay County property record for 721 E 5th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,408 sqft · built 1900 |
| Lot Size | 0.236 acres (10,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (May 2005) |
| Tax Bill | $2,278 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607480009 |
| Primary APN | 963607480009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 532 sqft |
| Basement Area | 266 sqft |
| Unfinished Basement | 266 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,300 sqft (0.236 acres) |
| Garage Type | Attached |
| Garage Area | 832 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 721 E 5TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 19 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 | Individual Name on Record |
|---|---|
| Mailing Address | 721 E 5TH ST, SPENCER, IA 51301-5024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2005 · Amount on Record |
| Deed Sale | May 31, 2005 · Amount on Record |
| Deed Document Number | 20051783 |
| Deed Book / Page | 2005 / 1783 |
| Record Updated | Oct 29, 2026 |
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 | $2,278.00 (+0.89%) Homeowner's exemption | $159,630 (+10.23%) Land $19,430 Building $140,200 | $159,630 (+10.23%) Land $19,430 Building $140,200 |
| 2024 | $2,258.00 (+15.32%) | ||
| 2023 | $144,810 (+20.6%) Land $14,990 Building $129,820 | $144,810 (+20.6%) Land $14,990 Building $129,820 | |
| 2022 | $1,958.00 Homeowner's exemption | $120,070 Land $14,990 Building $105,080 | |
| 2021 | $120,070 Land $14,990 Building $105,080 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures