728 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 728 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,824 sqft · built 1902
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$181,750 (Jul 2021)
Tax Bill	$2,868 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607340001`

Property Details

APN / Parcel Number

Primary APN	`963607340001`
Alternative APN	`64096360734000100`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,824 sqft Living Area
1st Floor Area	784 sqft
Basement Area	784 sqft
Finished Basement	400 sqft
Unfinished Basement	784 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	728 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 16 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	2004
Census Tract	80200

Owner

728 2nd Ave E is owned and occupied by two individuals who bought it in July 2021.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	728 2ND AVE E, SPENCER, IA 51301-4401
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Deed Document Number	20212169
Deed Book / Page	2021 / 2169
Prior Transfer Date	Apr 11, 2018
Prior Transfer Doc	2018/920
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 7, 2021
Property Address	728 2ND AVE E, SPENCER, IA 51301-4401
Document Number	2021/2169
Book / Page	2021 / 2169
Instrument Date	Jun 24, 2021
Instrument	2021 2169
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 2ND AVE E, SPENCER, IA 51301-4401

Mortgage

Document Number	02021/2170
Date	Jul 7, 2021
Book Page	2021/2170
Instrument	2021 2170

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.62%
Index	1-Year CMT
Margin	3

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 16, 2018
Property Address	728 2ND AVE E, SPENCER, IA 51301-4401
Document Number	2018/920
Book / Page	2018 / 920
Instrument Date	Apr 11, 2018
Instrument	000000000920
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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	728 2ND AVE E, SPENCER, IA 51301-4401

Tax Assessment & Valuation

The 2025 property tax bill for 728 2nd Ave E was $2,868 with a homeowner's exemption, up 1.5% from the year before.

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	$2,868.00 (+1.49%) Homeowner's exemption	$198,190 Land $17,500 Building $180,690	$198,190 Land $17,500 Building $180,690
2024	$2,826.00
2023		$186,690 (+21.27%) Land $13,500 Building $173,190	$186,690 Land $13,500 Building $173,190
2022	$2,556.00 Homeowner's exemption	$153,950 Land $13,500 Building $140,450
2021			$153,950 Land $13,500 Building $140,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 728 2nd Ave E 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	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

The area around 728 2nd Ave E 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.

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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