815 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 815 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,344 sqft · built 1920
Lot Size	0.107 acres (4,650 sqft)
Owner	Individual Name on Record
Last Sale	$89,000 (Aug 2022)
Tax Bill	$1,382 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607336005`

Property Details

APN / Parcel Number

Primary APN	`963607336005`
Alternative APN	`68296360733600500`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,650 sqft (0.107 acres)
Lot Dimensions	75 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	160 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	815 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 62' 1 11 1ST RY S 62' OF E 1/2 2 11 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	3
Census Block	3072
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	815 2ND AVE E, SPENCER, IA 51301-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
Aug 3, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 9, 2021	Special Warranty Deed, Transfer
Oct 18, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Jul 26, 2006 · Amount on Record
Deed Document Number	20222005
Deed Book / Page	2022 / 2005
Prior Transfer Date	Oct 18, 2019
Prior Transfer Doc	02019/2794
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	815 2ND AVE E, SPENCER, IA 51301-4404
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/2534
Date	Aug 10, 2021
Book Page	2021/2534
Instrument	2021 2534

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 21, 2022

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 3, 2022
Property Address	815 2ND AVE E, SPENCER, IA 51301-4404
Document Number	02022/2005
Book / Page	2022 / 2005
Instrument Date	Jul 18, 2022
Instrument	2022 2005
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 2ND AVE E, SPENCER, IA 51301-4404

Mortgage

Document Number	02022/2006
Date	Aug 3, 2022
Book Page	2022/2006
Instrument	2022 2006

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 9, 2021
Property Address	815 2ND AVE E, SPENCER, IA 51301-4404
Document Number	02021/1112
Book / Page	2021 / 1112
Instrument Date	Apr 9, 2021
Instrument	2021 1112
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 4TH ST SW, LE MARS, IA 51031-1951

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Oct 18, 2019
Property Address	815 2ND AVE E, SPENCER, IA 51301-4404
Document Number	02019/2794
Book / Page	2019 / 2794
Instrument Date	Oct 18, 2019
Instrument	2794
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 2ND AVE E, SPENCER, IA 51301-4404

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	$1,382.00 (+1.17%) Homeowner's exemption	$101,170 (+5.85%) Land $18,100 Building $83,070	$101,170 (+5.85%) Land $18,100 Building $83,070
2024	$1,366.00 (-4.61%)
2023		$95,580 (+17.56%) Land $12,670 Building $82,910	$95,580 (+17.56%) Land $12,670 Building $82,910
2022	$1,432.00	$81,300 Land $12,670 Building $68,630
2021			$81,300 Land $12,670 Building $68,630

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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