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

Clay County property record for 934 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 990 sqft · built 1939
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,500 (Feb 2018)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`963607482015`

Property Details

APN / Parcel Number

Primary APN	`963607482015`
Alternative APN	`64096360748201500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	990 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Finished Basement	250 sqft
Unfinished Basement	840 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	934 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 1 PALMER ADD
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	2020
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	934 E 5TH ST, SPENCER, IA 51301-5027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
May 21, 2010	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK
Nov 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Feb 16, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Feb 16, 2018	Warranty Deed, Transfer FARMERS TRUST & SAVINGS BANK
Jun 24, 2008	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 16, 2018 · Amount on Record
Deed Sale	Feb 16, 2018 · Amount on Record
Prior Sale	Aug 1, 2011 · Amount on Record
Deed Document Number	2018376
Deed Book / Page	2018 / 376
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000001648
Date	Jun 22, 2018
Book Page	0000002018/0000001648
Instrument	000000001648

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/3370
Date	Nov 2, 2020
Book Page	2020/3370
Instrument	2020 3370

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/1240
Date	May 21, 2010
Book Page	2010/1240
Instrument	2010 1240

Lender

Name	FARMERS TRUST AND SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2025

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3370
Date	Nov 2, 2020
Book Page	2020/3370
Instrument	2020 3370

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000377
Date	Feb 16, 2018
Book Page	0000002018/0000000377

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 16, 2018
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Document Number	2018/376
Book / Page	2018 / 376
Instrument Date	Feb 16, 2018
Instrument	000000000376
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 E 5TH ST, SPENCER, IA 51301-5027
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000000377
Date	Feb 16, 2018
Book Page	0000002018/0000000377

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2048

June 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jun 24, 2008
Property Address	934 E 5TH ST, SPENCER, IA 51301-5027
Document Number	02008/1888
Book / Page	2008 / 1888
Instrument Date	Jun 17, 2008
Instrument	2008 1888
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	934 E 5TH ST, SPENCER, IA 51301-5027

Mortgage

Document Number	0020081889
Date	Jun 24, 2008
Instrument	2008 1889

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2038

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	$2,298.00 (+1.5%) Homeowner's exemption	$161,000 (+6.19%) Land $17,850 Building $143,150	$161,000 (+6.19%) Land $17,850 Building $143,150
2024	$2,264.00 (+10.33%)
2023		$151,620 (+20.99%) Land $13,770 Building $137,850	$151,620 (+20.99%) Land $13,770 Building $137,850
2022	$2,052.00 Homeowner's exemption	$125,320 Land $13,770 Building $111,550
2021			$125,320 Land $13,770 Building $111,550

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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