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

Clay County property record for 814 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 912 sqft · built 1946
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on Record
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607482003`

Property Details

APN / Parcel Number

Primary APN	`963607482003`
Alternative APN	`64096360748200300`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Basement Area	912 sqft
Finished Basement	300 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Patio Area	78 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	814 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 1 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	2020
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	814 E 5TH ST, SPENCER, IA 51301-5025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	814 E 5TH ST, SPENCER, IA 51301-5025
Transaction Type	Mortgage
Record Updated	Apr 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/536
Date	Mar 5, 2026
Book Page	2026/536
Instrument	2026 536

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 15, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	814 E 5TH ST, SPENCER, IA 51301-5025
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2833
Date	Oct 23, 2019
Book Page	2019/2833
Instrument	2833

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$1,590.00 (+2.32%) Homeowner's exemption	$129,270 (+6.82%) Land $17,850 Building $111,420	$129,270 (+6.82%) Land $17,850 Building $111,420
2024	$1,554.00 (-3.6%)
2023		$121,020 (+20.53%) Land $13,770 Building $107,250	$121,020 (+20.53%) Land $13,770 Building $107,250
2022	$1,612.00 Homeowner's exemption	$100,410 Land $13,770 Building $86,640
2021			$100,410 Land $13,770 Building $86,640

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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