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Triplex (3 Units, Any Combination)Residential

106 W 1ST ST

SPENCER, IA 51301
4 / 2
Baths
1,192 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1900
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$654 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$42,770 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$16,590
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,180
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$23,660
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$42,770

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Triplex (3 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Triplex
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.0.17
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.None
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 208 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Spencer High SchoolB+
High · Grades 9–12 · 0.7 mi
E
Fairview Park Elementary School
Elementary · Grades 1–2 · 1.1 mi
M
Spencer Middle SchoolA
Middle · Grades 7–8 · 1.3 mi

District: Spencer Community School District

Neighborhood · ZIP 51301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,070
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

106 W 1st St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 66% of homes in Clay County
  • Has a smaller lot than 76% of homes in Clay County
  • Older than 90% of homes in Spencer 51301

How it measures up in Spencer 51301

The dot is this home. The mark in the middle is the typical home in Spencer 51301.

Living area1,192 ft²
SmallerTypical 1,358 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.18 ac
SmallerTypical 0.23 acBigger

Bigger than 27% of homes nearby

Year built1900
OlderTypical 1958Newer

Newer than 10% of homes nearby

How 106 W 1st St ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Living areabigger than1,192 ft²37% of homes34% of homes
Lot sizebigger than0.18 ac27% of homes24% of homes
Year builtnewer than190010% of homes15% of homes

About 106 W 1st St

When did 106 W 1st St, Spencer, IA last sell?

106 W 1st St, Spencer, IA last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 106 W 1st St, Spencer, IA?

106 W 1st St, Spencer, IA has 4 bathrooms, 1,192 square feet of living space and a 0.17-acre lot.

When was 106 W 1st St, Spencer, IA built?

106 W 1st St, Spencer, IA was built in 1900, making it 126 years old. It is a triplex home. The building has 1 story.

What schools serve 106 W 1st St, Spencer, IA?

106 W 1st St, Spencer, IA is assigned to Spencer High School (high), rated B+; Fairview Park Elementary School (elementary); Spencer Middle School (middle), rated A. All sit in Spencer Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 106 W 1st St, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is bigger than 37% of them (1,192 ft² against a typical 1,358 ft²), its lot is bigger than 27% of them (0.18 ac against a typical 0.23 ac) and it is newer than 10% of them (1900 against a typical 1958). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 106 W 1st St, Spencer, IA?

The 2025 property tax bill for 106 W 1st St, Spencer, IA was $654. The county assessed it at $42,770.

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