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

Clay County property record for 106 E 10th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,296 sqft · built 1918
Lot Size0.163 acres (7,100 sqft)
OwnerCompany Name on Record
Last Sale$112,500 (Oct 2023)
Tax Bill$1,648 (2025)
Deeds & MortgagesDec 2025 Sale & Line of Credit
Jan 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN963607332002

Property Details

APN / Parcel Number

Primary APN963607332002
Alternative APN
  • 68296360733200200

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,296 sqft Living Area
1st Floor Area974 sqft
Basement Area974 sqft
Unfinished Basement974 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1918
Effective Year BuiltEffective 1918
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialShingle
Lot Area7,100 sqft (0.163 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area840 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchPatio
Porch Area192 sqft
Deck Area126 sqft
Patio Area126 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGeothermal
Water SourceCommercial

Location & Zoning

Street Address106 E 10TH ST
CitySPENCER
StateIA
Zip51301-4318
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5 10 1ST RY ADD
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionRAILWAY 1ST ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3071
Census Tract80200

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 RecordCompany Name on Record
Mailing Address1812 S GRAND PLAZA DR, SPENCER, IA 51301-5936
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 31, 2025Warranty Deed, Transfer · Line of Credit
NORTHWEST BANK
Jan 27, 2017Deed of Trust, Mortgage
COMMUNITY STATE BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 16, 2023 · Amount on Record
Deed SaleOct 16, 2023 · Amount on Record
Deed Document Number20232334
Deed Book / Page2023 / 2334
Record UpdatedOct 29, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateDec 31, 2025
Property Address106 E 10TH ST, SPENCER, IA 51301-4318
Document Number02025/3093
Book / Page2025 / 3093
Instrument DateDec 29, 2025
Instrument2025 3093
Transaction TypeTransfer
Record UpdatedJan 19, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$179.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3135 240TH AVE, SPENCER, IA 51301-7562

Mortgage

Document Number0020253094
DateDec 31, 2025
Instrument2025 3094
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term61 Months
DueJan 1, 2031

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address106 E 10TH ST, SPENCER, IA 51301-4318
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2017/0222
DateJan 27, 2017
Book Page2017/0222
Instrument2017 0222
Lender
NameCOMMUNITY STATE BANK
TypeBank
AddressSPENCER, IA 51301
Agreement
AmountAmount Recorded
Term62 Months
DueMar 25, 2022

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,648.00 (+3.65%)$107,570 (+8.25%) Land $20,000 Building $87,570$107,570 (+8.25%) Land $20,000 Building $87,570
2024$1,590.00 (+22.31%)
2023$99,370 (+15.49%) Land $14,000 Building $85,370$99,370 (+15.49%) Land $14,000 Building $85,370
2022$1,300.00 Homeowner's exemption$86,040 Land $14,000 Building $72,040
2021$86,040 Land $14,000 Building $72,040

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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