1207 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1207 10th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 936 sqft · built 1974
Lot Size	0.152 acres (6,615 sqft)
Owner	2 Individual Names on File
Last Sale	$168,000 (Sep 2026)
Tax Bill	$2,672 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607280012`

Property Details

APN / Parcel Number

Primary APN	`963607280012`
Alternative APN	`64096360728001200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	936 sqft Living Area
Basement Area	936 sqft
Finished Basement	700 sqft
Unfinished Basement	936 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,615 sqft (0.152 acres)
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1207 10TH AVE E
City	SPENCER
State	IA
Zip	51301-4752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EXC N 80' 1 1 GRANDVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	GRANDVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3041
Census Tract	80200

Owner

1207 10th Ave E is owned and occupied by two individuals who bought it in September 2026.

Source: Clay County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1207 10TH AVE E, SPENCER, IA 51301-4752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 26, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Sep 28, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2026 · Amount on File
Deed Sale	Sep 24, 2026 · Amount on File
Prior Sale	Jul 26, 2021 · Amount on File
Deed Document Number	20262378
Deed Book / Page	2026 / 2378
Prior Transfer Date	Sep 24, 2020
Prior Transfer Doc	2020/2966
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 24, 2026
Property Address	1207 10TH AVE E, SPENCER, IA 51301-4752
Document Number	0000002378
Book / Page	2026 / 2378
Instrument Date	Sep 14, 2026
Instrument	20262378
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 10TH AVE E, SPENCER, IA 51301-4752

Mortgage

Document Number	0000002379,
Date	Sep 24, 2026
Instrument	20262379

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1207 10TH AVE E, SPENCER, IA 51301-4752
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2085
Date	Jul 1, 2021
Book Page	2021/2085
Instrument	2021 2085

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 30, 2021

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 26, 2021
Property Address	1207 10TH AVE E, SPENCER, IA 51301-4752
Document Number	02021/2365
Book / Page	2021 / 2365
Instrument Date	Jul 22, 2021
Instrument	2021 2365
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1207 10TH AVE E, SPENCER, IA 51301-4752

Mortgage

Document Number	02021/2366
Date	Jul 26, 2021
Book Page	2021/2366
Instrument	2021 2366

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 28, 2020
Property Address	1207 10TH AVE E, SPENCER, IA 51301-4752
Document Number	2020/2966
Book / Page	2020 / 2966
Instrument Date	Sep 24, 2020
Instrument	2020 2966
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	1207 10TH AVE E, SPENCER, IA 51301-4752

Tax Assessment & Valuation

The 2025 property tax bill for 1207 10th Ave E was $2,672 with a homeowner's exemption, up 3.8% from the year before.

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	$2,672.00 (+3.81%) Homeowner's exemption	$185,320 Land $20,830 Building $164,490	$185,320 Land $20,830 Building $164,490
2024	$2,574.00
2023		$170,970 (+17.6%) Land $16,070 Building $154,900	$170,970 Land $16,070 Building $154,900
2022	$2,404.00 Homeowner's exemption	$145,380 Land $16,070 Building $129,310
2021			$145,380 Land $16,070 Building $129,310

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1207 10th Ave E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 1207 10th Ave E is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% 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 231 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: GigFire, Nextlink, Verizon.

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