Clay County property record for 929 E 5th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 824 sqft · built 1930 |
| Lot Size | 0.119 acres (5,194 sqft) |
| Owner | Company Name on Record |
| Last Sale | $870 (Sep 2012) |
| Tax Bill | $966 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607480023 |
| Primary APN | 963607480023 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| 1st Floor Area | 440 sqft |
| Basement Area | 440 sqft |
| Unfinished Basement | 440 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,194 sqft (0.119 acres) |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 929 E 5TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 47' 2 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 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3210 170TH AVE, EVERLY, IA 51338-7509 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2012 · Amount on Record |
| Deed Sale | Sep 7, 2012 · Amount on Record |
| Deed Document Number | 20122712 |
| Deed Book / Page | 2012 / 2712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 929 E 5TH ST, SPENCER, IA 51301-5028 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3210 170TH AVE, EVERLY, IA 51338-7509 |
| Document Number | 02023/1686 |
|---|---|
| Date | Aug 8, 2023 |
| Book Page | 2023/1686 |
| Instrument | 2023 1686 |
| Name | LEIGHTON STATE BANK |
|---|---|
| Type | Bank |
| Address | FOSTORIA, IA 51340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $966.00 (+1.9%) | $63,060 (+6.39%) Land $15,130 Building $47,930 | $63,060 (+6.39%) Land $15,130 Building $47,930 |
| 2024 | $948.00 (+6.04%) | ||
| 2023 | $59,270 (+16.83%) Land $11,680 Building $47,590 | $59,270 (+16.83%) Land $11,680 Building $47,590 | |
| 2022 | $894.00 | $50,730 Land $11,680 Building $39,050 | |
| 2021 | $50,730 Land $11,680 Building $39,050 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 231 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: GigFire, Nextlink, Verizon.
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