Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$329,235$185 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $268,000 on Oct 16, 2020

707 5TH ST SW

SPENCER, IA 51301
6
Beds
3.5
Baths
1,776 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.
0.58 ac
Lot SizeThe size of the land the home sits on, from county records.
1978
Year BuiltThe year the home was originally built, according to county records.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$329K
$307K low$352K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$268,000 · Oct 16, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,464 (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.$237,040 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$64,330
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$172,710
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$335,630
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$237,040

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Foyer
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.0.58
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.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
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.Deck · 648 ft²Patio · 648 ft²

Transaction History(3)

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 · 1.2 mi
E
Fairview Park Elementary School
Elementary · Grades 1–2 · 1.6 mi
M
Spencer Middle SchoolA
Middle · Grades 7–8 · 1.8 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%

Owner Tools

Do you own this home?
Claim this home

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

707 5th St Sw 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.

  • Worth more than 90% of homes in Clay County
  • Costs more per square foot than 88% of homes in Clay County
  • Bigger than 76% of homes in Spencer 51301
  • Has a bigger lot than 82% of homes in Spencer 51301
  • Newer than 78% of homes in Clay County

What homes are worth in Spencer 51301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$47K$517K

This home is worth more than 89% 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.

Estimated value$329,235
CheaperTypical $162,912Pricier

Pricier than 89% of homes nearby

Price per ft²$185
CheaperTypical $127Pricier

Pricier than 85% of homes nearby

Living area1,776 ft²
SmallerTypical 1,368 ft²Bigger

Bigger than 76% of homes nearby

Lot size0.58 ac
SmallerTypical 0.23 acBigger

Bigger than 82% of homes nearby

Year built1978
OlderTypical 1958Newer

Newer than 76% of homes nearby

How 707 5th St Sw ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$329,23589% of homes90% of homes
Price per ft²pricier than$18585% of homes88% of homes
Living areabigger than1,776 ft²76% of homes75% of homes
Lot sizebigger than0.58 ac82% of homes72% of homes
Year builtnewer than197876% of homes78% of homes

About 707 5th St Sw

How much is 707 5th St Sw, Spencer, IA worth?

The TopHap Estimate for 707 5th St Sw, Spencer, IA is $329,235 as of Aug 30, 2026. The likely range is $306,571 to $351,899. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 707 5th St Sw, Spencer, IA last sell?

707 5th St Sw, Spencer, IA last sold on Oct 16, 2020 for $268,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 707 5th St Sw, Spencer, IA?

707 5th St Sw, Spencer, IA has 6 bedrooms, 3.5 bathrooms, 1,776 square feet of living space and a 0.58-acre lot.

When was 707 5th St Sw, Spencer, IA built?

707 5th St Sw, Spencer, IA was built in 1978, making it 48 years old. It is a split foyer home.

What schools serve 707 5th St Sw, Spencer, IA?

707 5th St Sw, 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 707 5th St Sw, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than 89% of them ($329,235 against a typical $162,912), its price per square foot is higher than 85% of them ($185 against a typical $127), it is bigger than 76% of them (1,776 ft² against a typical 1,368 ft²), its lot is bigger than 82% of them (0.58 ac against a typical 0.23 ac) and it is newer than 76% of them (1978 against a typical 1958). Measured against all of Clay County, it is worth more than 90% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 707 5th St Sw, Spencer, IA?

The 2025 property tax bill for 707 5th St Sw, Spencer, IA was $3,464. The county assessed it at $237,040.

More homes on 5th St Sw

Closest homes

More homes in Spencer 51301

Assigned schools

Explore the area

See this home in context

Open 707 5th St Sw on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map