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

Clay County property record for 102 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,196 sqft · built 1918
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,318 (2025)
Deeds & Mortgages	Jan 2019 Refinance May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607332001`

Property Details

APN / Parcel Number

Primary APN	`963607332001`
Alternative APN	`68296360733200100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,196 sqft Living Area
Basement Area	1,196 sqft
Finished Basement	200 sqft
Unfinished Basement	1,196 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	700 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	364 sqft
Deck Area	88 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	102 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 10 1ST RY ADD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3071
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	102 E 10TH ST, SPENCER, IA 51301-4318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
May 29, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 16, 2020
Transfer Doc	2020/1427
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	102 E 10TH ST, SPENCER, IA 51301-4318
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/175
Date	Jan 22, 2019
Book Page	2019/175
Instrument	175

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2029

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 29, 2020
Property Address	102 E 10TH ST, SPENCER, IA 51301-4318
Document Number	2020/1427
Book / Page	2020 / 1427
Instrument Date	Apr 16, 2020
Instrument	2020 1427
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 E 10TH ST, SPENCER, IA 51301-4318

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	$2,318.00 (+3.11%) Homeowner's exemption	$162,300 (+7.77%) Land $20,000 Building $142,300	$162,300 (+7.77%) Land $20,000 Building $142,300
2024	$2,248.00 (+6.54%)
2023		$150,600 (+17.03%) Land $14,000 Building $136,600	$150,600 (+17.03%) Land $14,000 Building $136,600
2022	$2,110.00 Homeowner's exemption	$128,680 Land $14,000 Building $114,680
2021			$128,680 Land $14,000 Building $114,680

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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