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802 E 5th St, Spencer, IA 51301 Property Records

Clay County property record for 802 E 5th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 1,200 sqft · built 1900
Lot Size0.344 acres (15,000 sqft)
OwnerIndividual Name on Record
Last Sale$30,000 (Mar 2026)
Tax Bill$924 (2025)
Deeds & MortgagesJun 2025 Sale
Flood ZoneZone X (minimal risk)
APN963607482001

Property Details

APN / Parcel Number

Primary APN963607482001
Alternative APN
  • 64096360748200100

Interior

Bedrooms4 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,200 sqft Living Area
1st Floor Area580 sqft
Basement Area290 sqft
Unfinished Basement290 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTraditional
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area15,000 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
PorchSlab
Porch Area77 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address802 E 5TH ST
CitySPENCER
StateIA
Zip51301-5025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description16-17 1 PALMER
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionPALMER'S SUBURBAN LOTS
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2020
Census Tract80200

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 RecordIndividual Name on Record
Mailing Address802 E 5TH ST, SPENCER, IA 51301-5025
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 3, 2026 · Amount on Record
Deed SaleMar 3, 2026 · Amount on Record
Prior SaleMay 22, 2025 · Amount on Record
Deed Document Number2026522
Deed Book / Page2026 / 522
Prior Transfer DateApr 27, 2022
Prior Transfer Doc0000001282
Record UpdatedOct 29, 2026

June 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCLAY IA
Recording DateJun 5, 2025
Property Address802 E 5TH ST, SPENCER, IA 51301-5025
Document Number02025/1371
Book / Page2025 / 1371
Instrument DateJun 5, 2025
Instrument2025 1371
Transaction TypeTransfer
Record UpdatedSep 30, 2025

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address520 4TH ST SW STE A, A, LE MARS, IA 51031-1951

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$924.00 (+9.74%)$60,330 (+14.67%) Land $26,780 Building $33,550$60,330 (+14.67%) Land $26,780 Building $33,550
2024$842.00 (+2.93%)
2023$52,610 (+13.21%) Land $20,660 Building $31,950$52,610 (+13.21%) Land $20,660 Building $31,950
2022$818.00 Homeowner's exemption$46,470 Land $20,660 Building $25,810
2021$46,470 Land $20,660 Building $25,810

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 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 RiskLow
lower than 97% of the US · lower than 76% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 371 locations within half a mile, as of December 31, 2025

ProviderMax 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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