113 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 113 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,966 sqft · built 1885
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,000 (Jul 2008)
Tax Bill	$1,756 (2025)
Deeds & Mortgages	Aug 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607336009`

Property Details

APN / Parcel Number

Primary APN	`963607336009`
Alternative APN	`68296360733600900`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,966 sqft Living Area
1st Floor Area	672 sqft
Attic	Attic
Attic Area	302 sqft
Basement Area	1,408 sqft
Finished Basement	475 sqft
Unfinished Basement	1,408 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	154 sqft
Deck Area	128 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	113 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 11 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	3072
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	113 E 8TH ST, SPENCER, IA 51301-4311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
May 1, 2017	Deed of Trust, Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2008 · Amount on Record
Deed Sale	Jul 18, 2008 · Amount on Record
Deed Document Number	20082120
Deed Book / Page	2008 / 2120
Prior Transfer Date	Jul 17, 2008
Prior Transfer Doc	2008/2121
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	113 E 8TH ST, SPENCER, IA 51301-4311
Transaction Type	Mortgage
Record Updated	Sep 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2134
Date	Aug 16, 2022
Book Page	2022/2134
Instrument	2022 2134

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	113 E 8TH ST, SPENCER, IA 51301-4311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1092
Date	May 1, 2017
Book Page	2017/1092
Instrument	1092

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount Recorded

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	$1,756.00 (+3.05%) Homeowner's exemption	$125,510 (+7.53%) Land $17,500 Building $108,010	$125,510 (+7.53%) Land $17,500 Building $108,010
2024	$1,704.00 (+9.65%)
2023		$116,720 (+20.28%) Land $13,500 Building $103,220	$116,720 (+20.28%) Land $13,500 Building $103,220
2022	$1,554.00 Homeowner's exemption	$97,040 Land $13,500 Building $83,540
2021			$97,040 Land $13,500 Building $83,540

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.

Nearby Properties on E 8th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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