1817 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1817 10th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 2,022 sqft · built 1998
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$399,500 (May 2026)
Tax Bill	$6,164 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`963606480007`

Property Details

APN / Parcel Number

Primary APN	`963606480007`
Alternative APN	`64096360648000700`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	4 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,022 sqft Living Area
Basement Area	2,022 sqft
Finished Basement	1,000 sqft
Unfinished Basement	2,022 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	75 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	576 sqft
Patio Area	353 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1817 10TH AVE E
City	SPENCER
State	IA
Zip	51301-2427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 1 & 2 3 CEDAR HILL
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	CEDAR HILL ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
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	Individual Name on Record
Mailing Address	1817 10TH AVE E, SPENCER, IA 51301-2427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Affidavit, Transfer
May 15, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Aug 1, 2005 · Amount on Record
Deed Document Number	20261179
Deed Book / Page	2026 / 1179
Record Updated	Oct 29, 2026

May 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLAY IA
Recording Date	May 15, 2026
Property Address	1817 10TH AVE E, SPENCER, IA 51301-2427
Document Number	0000001175
Book / Page	2026 / 1175
Instrument Date	May 15, 2026
Instrument	20261175
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4511 N 14TH ST, TERRE HAUTE, IN 47805-2467

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 15, 2026
Property Address	1817 10TH AVE E, SPENCER, IA 51301-2427
Document Number	0000001179
Book / Page	2026 / 1179
Instrument Date	Apr 16, 2026
Instrument	20261179
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$64,478.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1817 10TH AVE E, SPENCER, IA 51301-2427

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	$6,164.00 (+5.15%) Homeowner's exemption	$428,050 (+9.75%) Land $34,750 Building $393,300	$428,050 (+9.75%) Land $34,750 Building $393,300
2024	$5,862.00 (+3.79%)
2023		$390,040 (+18.36%) Land $24,320 Building $365,720	$390,040 (+18.36%) Land $24,320 Building $365,720
2022	$5,648.00 Homeowner's exemption	$329,530 Land $24,320 Building $305,210
2021			$329,530 Land $24,320 Building $305,210

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 82% 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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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