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

Clay County property record for 811 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 904 sqft · built 1900
Lot Size	0.204 acres (8,900 sqft)
Owner	Individual Name on Record
Last Sale	$58,000 (Dec 2018)
Tax Bill	$1,206 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607480013`

Property Details

APN / Parcel Number

Primary APN	`963607480013`
Alternative APN	`68296360748001300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	904 sqft Living Area
1st Floor Area	280 sqft
Basement Area	440 sqft
Unfinished Basement	280 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,900 sqft (0.204 acres)
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	811 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 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

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	Individual Name on Record
Mailing Address	717 W 4TH ST, SPENCER, IA 51301-3204
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2018 · Amount on Record
Deed Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	20183235
Deed Book / Page	2018 / 3235
Last Transfer Date	Feb 6, 2026
Transfer Doc	0000000391
Record Updated	Oct 29, 2026

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 11, 2018
Property Address	811 E 5TH ST, SPENCER, IA 51301-5026
Document Number	2018/3235
Book / Page	2018 / 3235
Instrument Date	Dec 10, 2018
Instrument	2018-3235
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 E 5TH ST, SPENCER, IA 51301-5026

Mortgage

Document Number	02018/3236
Date	Dec 11, 2018
Book Page	2018/3236
Instrument	3236

Lender

Name	IOWA STATE SAVINGS BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

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	$1,206.00 (+5.42%)	$78,810 (+10.38%) Land $18,900 Building $59,910	$78,810 (+10.38%) Land $18,900 Building $59,910
2024	$1,144.00 (+7.12%)
2023		$71,400 (+17.86%) Land $14,580 Building $56,820	$71,400 (+17.86%) Land $14,580 Building $56,820
2022	$1,068.00	$60,580 Land $14,580 Building $46,000
2021			$60,580 Land $14,580 Building $46,000

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	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.

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 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.

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