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

Clay County property record for 939 E 5th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,223 sqft · built 1900
Lot Size	0.167 acres (7,280 sqft)
Owner	Individual Name on Record
Last Sale	$112,500 (Nov 2020)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Nov 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607480024`

Property Details

APN / Parcel Number

Primary APN	`963607480024`
Alternative APN	`68296360748002400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,223 sqft Living Area
1st Floor Area	480 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,280 sqft (0.167 acres)
Garage Type	Attached
Garage Area	481 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	939 E 5TH ST
City	SPENCER
State	IA
Zip	51301-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 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

Owner

Source: Clay County records, as of October 9, 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	939 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
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	20203484
Deed Book / Page	2020 / 3484
Record Updated	Oct 29, 2026

November 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 10, 2020
Property Address	939 E 5TH ST, SPENCER, IA 51301-5028
Document Number	02020/3484
Book / Page	2020 / 3484
Instrument Date	Nov 9, 2020
Instrument	2020 3484
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	939 E 5TH ST, SPENCER, IA 51301-5028

Mortgage

Document Number	2020348520203485
Date	Nov 10, 2020
Instrument	2020 348520203485

Lender

Name	IOWA STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,722.00 (+2.87%)	$112,430 (+7.52%) Land $22,050 Building $90,380	$112,430 (+7.52%) Land $22,050 Building $90,380
2024	$1,674.00 (+8.14%)
2023		$104,570 (+18.92%) Land $17,010 Building $87,560	$104,570 (+18.92%) Land $17,010 Building $87,560
2022	$1,548.00	$87,930 Land $17,010 Building $70,920
2021			$87,930 Land $17,010 Building $70,920

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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