10 E 25th St, Spencer, IA 51301 Property Records

Clay County property record for 10 E 25th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,843 sqft · built 1990
Lot Size	0.698 acres (30,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2023)
Tax Bill	$5,158 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963606179002`

Property Details

APN / Parcel Number

Primary APN	`963606179002`
Alternative APN	`68296360617900200`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,843 sqft Living Area
Basement Area	1,843 sqft
Finished Basement	1,000 sqft
Unfinished Basement	1,843 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,400 sqft (0.698 acres)
Garage Type	Attached
Garage Area	910 sqft
Parking Spaces	4 Parking Spaces
Patio Area	329 sqft
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	10 E 25TH ST
City	SPENCER
State	IA
Zip	51301-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2-3 2 BULLOCK'S HIGHLAND ACRES
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCK HIGHLAND ACRES
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1008
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	10 E 25TH ST, SPENCER, IA 51301-2152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 11, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 14, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Aug 8, 2017	Warranty Deed, Transfer · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2023 · Amount on Record
Deed Sale	Dec 11, 2023 · Amount on Record
Prior Sale	Dec 14, 2021 · Amount on Record
Deed Document Number	20232803
Deed Book / Page	2023 / 2803
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	10 E 25TH ST, SPENCER, IA 51301-2152
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 E 25TH ST, SPENCER, IA 51301-2152

Mortgage

Document Number	02025/3036
Date	Dec 29, 2025
Book Page	2025/3036
Instrument	2025 3036

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 11, 2023
Property Address	10 E 25TH ST, SPENCER, IA 51301-2152
Document Number	02023/2803
Book / Page	2023 / 2803
Instrument Date	Dec 4, 2023
Instrument	2023 2803
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$575.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 E 25TH ST, SPENCER, IA 51301-2152

Mortgage

Document Number	0020232804
Date	Dec 11, 2023
Instrument	2023 2804

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	10 E 25TH ST, SPENCER, IA 51301-2152
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1274
Date	Apr 26, 2021
Book Page	2021/1274
Instrument	2021 1274

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 14, 2021
Property Address	10 E 25TH ST, SPENCER, IA 51301-2152
Document Number	02021/3899
Book / Page	2021 / 3899
Instrument Date	Nov 30, 2021
Instrument	2021 3899
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$439.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10 E 25TH ST, SPENCER, IA 51301-2152

Mortgage

Document Number	02021/3900
Date	Dec 14, 2021
Book Page	2021/3900
Instrument	2021 3900

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 8, 2017
Property Address	10 E 25TH ST, SPENCER, IA 51301-2152
Document Number	02017/2088
Book / Page	2017 / 2088
Instrument Date	Jul 27, 2017
Instrument	2017 2088
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 E 25TH ST, SPENCER, IA 51301-2152

Mortgage

Document Number	02017/2089
Date	Aug 8, 2017
Book Page	2017/2089
Instrument	2089

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2022
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	8.75%

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	$5,158.00 (+2.18%) Homeowner's exemption	$347,710 (+6.82%) Land $41,280 Building $306,430	$347,710 (+6.82%) Land $41,280 Building $306,430
2024	$5,048.00 (+7.86%)
2023		$325,520 (+18.57%) Land $34,400 Building $291,120	$325,520 (+18.57%) Land $34,400 Building $291,120
2022	$4,680.00	$274,530 Land $34,400 Building $240,130
2021			$274,530 Land $34,400 Building $240,130

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% 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 110 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 · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, T-Mobile, Verizon.

Nearby Properties on E 25th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures