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

Clay County property record for 910 E 5th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 796 sqft · built 1910
Lot Size0.172 acres (7,500 sqft)
OwnerIndividual Name on Record
Last Sale$122,500 (Nov 2025)
Tax Bill$1,238 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607482009

Property Details

APN / Parcel Number

Primary APN963607482009

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area796 sqft Living Area
Basement Area796 sqft
Finished Basement300 sqft
Unfinished Basement796 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 1910
Architectural StyleCape Cod
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area7,500 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area49 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemGravity Furnace
Water SourceCommercial

Location & Zoning

Street Address910 E 5TH ST
CitySPENCER
StateIA
Zip51301-5027
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description8 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 Address1501 BREA BLVD, 309, FULLERTON, CA 92835-3943
Owner TypeIndividual
VestingSingle

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 25, 2025 · Amount on Record
Deed SaleNov 25, 2025 · Amount on Record
Prior SaleSep 12, 2025 · Amount on Record
Deed Document Number20252783
Deed Book / Page2025 / 2783
Record UpdatedOct 29, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 25, 2025
Property Address910 E 5TH ST, SPENCER, IA 51301-5027
Document Number02025/2783
Book / Page2025 / 2783
Instrument DateNov 23, 2025
Instrument2025 2783
Transaction TypeTransfer
Record UpdatedDec 23, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$195.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1501 BREA BLVD APT 309, 309, FULLERTON, CA 92835-3943

Mortgage

Document Number0020252784
DateNov 25, 2025
Instrument2025 2784
Lender
NameCENTRAL BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2055

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$1,238.00 (+4.74%)$80,880 (+9.61%) Land $17,850 Building $63,030$80,880 (+9.61%) Land $17,850 Building $63,030
2024$1,182.00 (+7.85%)
2023$73,790 (+18.54%) Land $13,770 Building $60,020$73,790 (+18.54%) Land $13,770 Building $60,020
2022$1,096.00$62,250 Land $13,770 Building $48,480
2021$62,250 Land $13,770 Building $48,480

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 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 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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