915 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 915 2nd Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 912 sqft · built 1910
Lot Size	0.162 acres (7,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$88,000 (May 2025)
Tax Bill	$1,322 (2025)
Deeds & Mortgages	May 2025 Sale Jul 2020 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607332006`

Property Details

APN / Parcel Number

Primary APN	`963607332006`
Alternative APN	`68296360733200600`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
1st Floor Area	624 sqft
Basement Area	624 sqft
Finished Basement	297 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,050 sqft (0.162 acres)
Lot Dimensions	150 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	915 2ND AVE E
City	SPENCER
State	IA
Zip	51301-4406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/3 1-3 10 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	3071
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	2420 365TH ST, SPENCER, IA 51301-7473
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 29, 2025	Warranty Deed, Transfer
Jul 15, 2020	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Jul 15, 2020	Deed of Trust, Mortgage · Reverse Mortgage HUD
May 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Prior Sale	Jun 16, 2005 · Amount on Record
Deed Document Number	20251290
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 29, 2025
Property Address	915 2ND AVE E, SPENCER, IA 51301-4406
Document Number	02025/1290
Book / Page	2025 / 1290
Instrument Date	May 28, 2025
Instrument	2025 1290
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
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	2420 365TH ST, SPENCER, IA 51301-7473

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	915 2ND AVE E, SPENCER, IA 51301-4406
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2073
Date	Jul 15, 2020
Book Page	2020/2073
Instrument	2020 2073

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	955 Months
Due	Feb 10, 2100

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	LIBOR

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	915 2ND AVE E, SPENCER, IA 51301-4406
Transaction Type	Mortgage
Record Updated	Apr 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2074
Date	Jul 15, 2020
Book Page	2020/2074
Instrument	2020 2074

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	955 Months
Due	Feb 10, 2100

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	LIBOR

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	915 2ND AVE E, SPENCER, IA 51301-4406
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1305
Date	May 19, 2022
Book Page	2022/1305
Instrument	2022 1305

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

Interest

Rate Type	Fixed Rate

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	$1,322.00 (+45.59%) Homeowner's exemption	$86,320 (+14.48%) Land $19,180 Building $67,140	$86,320 (+14.48%) Land $19,180 Building $67,140
2024	$908.00 (-1.3%)
2023		$75,400 (+16.88%) Land $13,420 Building $61,980	$75,400 (+16.88%) Land $13,420 Building $61,980
2022	$920.00 Homeowner's exemption	$64,510 Land $13,420 Building $51,090
2021			$64,510 Land $13,420 Building $51,090

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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