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

Clay County property record for 110 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,831 sqft · built 1914
Lot Size	0.162 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,500 (Jan 2003)
Tax Bill	$2,246 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607332003`

Property Details

APN / Parcel Number

Primary APN	`963607332003`
Alternative APN	`68296360733200300`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,831 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1914
Architectural Style	Cape Cod
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	140 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Old Parcel Number	68296360733200300
Street Address	110 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	4 10 1ST RY ADD
Legal Range	36
Legal Township	17
Legal Section	07
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 29, 2025

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	110 E 10TH ST, SPENCER, IA 51301-4318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 8, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2003 · Amount on Record
Deed Sale	Jan 27, 2003 · Amount on Record
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	110 E 10TH ST, SPENCER, IA 51301-4318
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3730
Date	Nov 30, 2021
Book Page	2021/3730
Instrument	2021 3730

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2031

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	110 E 10TH ST, SPENCER, IA 51301-4318
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002145
Date	Aug 8, 2018
Book Page	0000002018/0000002145
Instrument	000000002145

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$182,110 (+11.42%) Land $20,000 Building $162,110	$182,110 (+11.42%) Land $20,000 Building $162,110
2024	$2,246.00 (-0.71%)
2023		$163,440 (+19.06%) Land $14,000 Building $149,440	$163,440 (+19.06%) Land $14,000 Building $149,440
2022	$2,262.00 Homeowner's exemption	$137,270 Land $14,000 Building $123,270
2021			$137,270 Land $14,000 Building $123,270

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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