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

Clay County property record for 14 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,214 sqft · built 1920
Lot Size	0.172 acres (7,500 sqft)
Owner	Company Name on Record
Last Sale	$115,000 (Aug 2020)
Tax Bill	$1,912 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Nov 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607331006`

Property Details

APN / Parcel Number

Primary APN	`963607331006`
Alternative APN	`64096360733100600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,214 sqft Total Area
1st Floor Area	920 sqft
Basement Area	1,198 sqft
Finished Basement	350 sqft
Unfinished Basement	1,198 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	14 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4316
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	C-1 GENERA
Legal Description	W 50' 1-3 9 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	3070
Census Tract	80200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Grand Avenue Residential Historic District listed 2014 · 97 contributing resources · NRIS 14000212

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Company Name on Record
Mailing Address	4020 HIGHWAY 71, SPENCER, IA 51301-2033
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 14, 2019	Deed of Trust, Mortgage · VA Mortgage NORTHWEST BANK
Aug 3, 2020	Warranty Deed, Transfer · Commercial Mortgage NORTHWEST BANK
Nov 7, 2019	Warranty Deed, Transfer · VA Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2020 · Amount on Record
Deed Sale	Aug 3, 2020 · Amount on Record
Prior Sale	Nov 7, 2019 · Amount on Record
Deed Document Number	20202305
Deed Book / Page	2020 / 2305
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	14 E 10TH ST, SPENCER, IA 51301-4316
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0106
Date	Jan 17, 2017
Book Page	2017/0106
Instrument	2017 0106

Lender

Name	NORTHWEST BANK
Type	Bank
Address	ESTHERVILLE, IA 51334

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	38 Months
Due	Mar 15, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	14 E 10TH ST, SPENCER, IA 51301-4316
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3047
Date	Nov 14, 2019
Book Page	2019/3047
Instrument	3047

Lender

Name	NORTHWEST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 3, 2020
Property Address	14 E 10TH ST, SPENCER, IA 51301-4316
Document Number	02020/2305
Book / Page	2020 / 2305
Instrument Date	Jul 23, 2020
Instrument	2020 2305
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 11TH AVE W, SPENCER, IA 51301-3069

Mortgage

Document Number	02020/2306
Date	Aug 3, 2020
Book Page	2020/2306
Instrument	2020 2306

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 7, 2019
Property Address	14 E 10TH ST, SPENCER, IA 51301-4316
Document Number	02019/2963
Book / Page	2019 / 2963
Instrument Date	Oct 31, 2019
Instrument	2963
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 E 10TH ST, SPENCER, IA 51301-4316

Mortgage

Document Number	02019/2964
Date	Nov 7, 2019
Book Page	2019/2964
Instrument	2964

Lender

Name	NORTHWEST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$1,912.00 (+2.91%)	$124,800 (+7.53%) Land $20,400 Building $104,400	$124,800 (+7.53%) Land $20,400 Building $104,400
2024	$1,858.00 (+5.45%)
2023		$116,060 (+16%) Land $16,320 Building $99,740	$116,060 (+16%) Land $16,320 Building $99,740
2022	$1,762.00	$100,050 Land $16,320 Building $83,730
2021			$100,050 Land $16,320 Building $83,730

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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