729 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 729 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,452 sqft · built 1915
Lot Size	0.115 acres (5,025 sqft)
Owner	Company Name on Record
Last Sale	$82,500 (Jun 2021)
Tax Bill	$1,516 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607339005`

Property Details

APN / Parcel Number

Primary APN	`963607339005`
Alternative APN	`68296360733900500`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,452 sqft Living Area
1st Floor Area	684 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	5,025 sqft (0.115 acres)
Lot Dimensions	67 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	1,176 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	729 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 67' 1 20 1ST RY E 67' OF N 1/2 2 20 1ST RY ADD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2005
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	Company Name on Record
Mailing Address	3195 180TH AVE, SPENCER, IA 51301-7506
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Deed Document Number	20211703
Deed Book / Page	2021 / 1703
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 2, 2021
Property Address	729 2ND AVE E, SPENCER, IA 51301-4402
Document Number	02021/1703
Book / Page	2021 / 1703
Instrument Date	Jun 1, 2021
Instrument	2021 1703
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.20
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 with Right of Survivorship
Address	3195 180TH AVE, SPENCER, IA 51301-7506
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/1748
Date	Jun 4, 2021
Book Page	2021/1748
Instrument	2021 1748

Lender

Name	AMERICAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

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	$1,516.00 (+3.98%)	$98,950 (+8.65%) Land $20,700 Building $78,250	$98,950 (+8.65%) Land $20,700 Building $78,250
2024	$1,458.00 (+7.84%)
2023		$91,070 (+18.66%) Land $16,560 Building $74,510	$91,070 (+18.66%) Land $16,560 Building $74,510
2022	$1,352.00	$76,750 Land $16,560 Building $60,190
2021			$76,750 Land $16,560 Building $60,190

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	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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