202 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 202 10th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,684 sqft · built 1910
Lot Size	0.8 acres (34,848 sqft)
Owner	Company Name on Record
Tax Bill	$4,805 (2024)
Deeds & Mortgages	Aug 2023 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963617101003`

Property Details

APN / Parcel Number

Primary APN	`963617101003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,684 sqft Living Area
1st Floor Area	960 sqft
Basement Area	1,342 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	202 10TH AVE E
City	SPENCER
State	IA
Zip	51301-5101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 EXC N 80' & S 80' ROBINSON'S 1ST ADDN
Legal Subdivision	ROBINSON'S FIRST ADDN
Legal Lot Number	1
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1020
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	Company Name on Record
Mailing Address	PO BOX 737, SPENCER, IA 51301-0737
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage NORTHWEST BANK
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023
Deed Sale	Sep 21, 2023
Deed Document Number	0020232126
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	202 10TH AVE E, SPENCER, IA 51301-5101
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1807
Date	Aug 18, 2023
Book Page	2023/1807
Instrument	2023 1807

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Feb 18, 2024

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	202 10TH AVE E, SPENCER, IA 51301-5101
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/926
Date	Mar 25, 2021
Book Page	2021/926
Instrument	2021 926

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

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		$244,670 (+47.19%) Land $51,430 Building $193,240	$244,670 (+47.19%) Land $51,430 Building $193,240
2024	$4,805.00 (+54.11%)
2023		$166,230 (+34.7%) Land $50,420 Building $115,810	$166,230 (+34.7%) Land $50,420 Building $115,810
2022	$3,118.00 Homeowner's exemption	$123,410 Land $36,720 Building $86,690
2021			$123,410 Land $36,720 Building $86,690

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 371 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on 10th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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