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923 2nd Ave E, Spencer, IA 51301 Property Records

Clay County property record for 923 2nd Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,235 sqft · built 1915
Lot Size0.162 acres (7,050 sqft)
Owner2 Individual Names on File
Last Sale$86,000 (Jun 2010)
Tax Bill$1,608 (2025)
Deeds & MortgagesApr 2018 Mortgage
Mar 2020 Sale
Flood ZoneZone X (minimal risk)
APN963607332004

Property Details

APN / Parcel Number

Primary APN963607332004
Alternative APN
  • 68296360733200400

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area1,235 sqft Living Area
1st Floor Area988 sqft
AtticAttic
Attic Area247 sqft
Basement Area988 sqft
Finished Basement556 sqft
Unfinished Basement988 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Exterior MaterialWood Siding
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,050 sqft (0.162 acres)
Lot Dimensions150 ft deep x 47 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area184 sqft
Patio Area289 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHot Water
Water SourceCommercial

Location & Zoning

Street Address923 2ND AVE E
CitySPENCER
StateIA
Zip51301-4406
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 1/3 1-3 10 1ST RY ADD
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionRAILWAY 1ST ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3071
Census Tract80200

Owner

Source: Clay County records · APN 963607332004

Assessment roll updated September 30, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address923 2ND AVE E, SPENCER, IA 51301-4406
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2018Deed of Trust, Mortgage
FARMERS TRUST & SAVINGS BANK
Mar 12, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 11, 2010 · Amount on Record
Deed SaleJun 11, 2010 · Amount on Record
Deed Document Number20101458
Deed Book / Page2010 / 1458
Last Transfer DateMar 12, 2020
Transfer Doc2020/610
Record UpdatedJun 08, 2026

April 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address923 2ND AVE E, SPENCER, IA 51301-4406
Transaction TypeMortgage
Record UpdatedJun 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000000751
DateApr 02, 2018
Book Page0000002018/0000000751
Instrument000000000751
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
AmountAmount Recorded
Term357 Months
DueJan 01, 2048

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMar 12, 2020
Property Address923 2ND AVE E, SPENCER, IA 51301-4406
Document Number2020/610
Book / Page2020 / 610
Instrument DateMar 12, 2020
Instrument610
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address923 2ND AVE E, SPENCER, IA 51301-4406

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,608.00 Homeowner's exemption$124,860 (+12.85%) Land $19,180 Building $105,680$124,860 (+12.85%) Land $19,180 Building $105,680
2024$1,608.00 (+7.77%)
2023$110,640 (+18.26%) Land $13,420 Building $97,220$110,640 (+18.26%) Land $13,420 Building $97,220
2022$1,492.00 Homeowner's exemption$93,560 Land $13,420 Building $80,140
2021$93,560 Land $13,420 Building $80,140

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spencer Municipal Communications Utility
Fiber		1,000 / 1,000
Mediacom Communications
Cable		1,000 / 50
AT&T
Fixed Wireless		100 / 20

May also be available: AMG Technology Investment Group, Verizon.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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