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

Clay County property record for 927 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1900
Lot Size	0.141 acres (6,148 sqft)
Owner	Individual Name on Record
Tax Bill	$828 (2025)
Deeds & Mortgages	Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607480022`

Property Details

APN / Parcel Number

Primary APN	`963607480022`
Alternative APN	`68296360748002200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Finished Basement	100 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,148 sqft (0.141 acres)
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	927 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 3' 2 3 PALMERS ALL 3 3 PALMERS
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	Individual Name on Record
Mailing Address	927 E 5TH ST, SPENCER, IA 51301-5028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	927 E 5TH ST, SPENCER, IA 51301-5028
Transaction Type	Mortgage
Record Updated	May 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/836
Date	Apr 9, 2019
Book Page	2019/836
Instrument	836

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2029

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	$828.00 (+6.7%) Homeowner's exemption	$64,910 (+10.65%) Land $17,440 Building $47,470	$64,910 (+10.65%) Land $17,440 Building $47,470
2024	$776.00 (+7.18%)
2023		$58,660 (+17.41%) Land $13,450 Building $45,210	$58,660 (+17.41%) Land $13,450 Building $45,210
2022	$724.00 Homeowner's exemption	$49,960 Land $13,450 Building $36,510
2021			$49,960 Land $13,450 Building $36,510

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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