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

Clay County property record for 911 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,574 sqft · built 1900
Lot Size	0.325 acres (14,150 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 2019)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607480019`

Property Details

APN / Parcel Number

Primary APN	`963607480019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
1st Floor Area	576 sqft
Basement Area	736 sqft
Finished Basement	736 sqft
Unfinished Basement	736 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,150 sqft (0.325 acres)
Garage Type	Detached
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	911 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7-8 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	2 Individual Names on Record
Mailing Address	911 E 5TH ST, SPENCER, IA 51301-5028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 6, 2019	Warranty Deed, Transfer · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Prior Sale	May 31, 2013 · Amount on Record
Deed Document Number	20193261
Deed Book / Page	2019 / 3261
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	911 E 5TH ST, SPENCER, IA 51301-5028
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3999
Date	Dec 16, 2020
Book Page	2020/3999
Instrument	2020 3999

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 6, 2019
Property Address	911 E 5TH ST, SPENCER, IA 51301-5028
Document Number	02019/3261
Book / Page	2019 / 3261
Instrument Date	Nov 20, 2019
Instrument	3261
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	911 E 5TH ST, SPENCER, IA 51301-5028

Mortgage

Document Number	02019/3262
Date	Dec 6, 2019
Book Page	2019/3262
Instrument	3262

Lender

Name	NORTHWEST BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	5.3%
Type Change Date	Dec 1, 2024
Index	1-Year CMT

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	$2,656.00 (+2.47%) Homeowner's exemption	$184,320 (+7.07%) Land $31,500 Building $152,820	$184,320 (+7.07%) Land $31,500 Building $152,820
2024	$2,592.00 (+9.27%)
2023		$172,150 (+19.95%) Land $24,300 Building $147,850	$172,150 (+19.95%) Land $24,300 Building $147,850
2022	$2,372.00 Homeowner's exemption	$143,520 Land $24,300 Building $119,220
2021			$143,520 Land $24,300 Building $119,220

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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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