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

Clay County property record for 209 E 10th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 1,811 sqft · built 1910
Lot Size0.162 acres (7,100 sqft)
OwnerIndividual Name on Record
Last Sale$190,000 (Aug 2024)
Tax Bill$1,242 (2024)
Deeds & MortgagesJul 2023 Sale
Apr 2023 Mortgage
Flood ZoneZone X (minimal risk)
APN963607329009

Property Details

APN / Parcel Number

Primary APN963607329009
Alternative APN
  • 64096360732900900

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,811 sqft Living Area
1st Floor Area576 sqft
Basement Area864 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1910
Exterior MaterialWood Siding
Construction TypeWood
Foundation TypeBlock
Roof TypeGable
Lot Area7,100 sqft (0.162 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area396 sqft
Parking Spaces1 Parking Space
Patio Area160 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096360732900900
Street Address209 E 10TH ST
CitySPENCER
StateIA
Zip51301-4419
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPENCER RESID
Legal Description9 5 COLLEGE
Legal Range36
Legal Township17
Legal Section07
Legal SubdivisionCOLLEGE ADDITION
Legal Lot Number9
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3067
Census Tract80200

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address209 E 10TH ST, SPENCER, IA 51301-4419
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 5, 2023Warranty Deed, Transfer
Apr 4, 2023Deed of Trust, Mortgage · Commercial Mortgage
SAVINGS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 2, 2024 · Amount on Record
Deed SaleAug 2, 2024 · Amount on Record
Prior SaleApr 4, 2023
Deed Document Number2024 1481
Deed Book / Page2024 / 1481
Record UpdatedJun 8, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateJul 5, 2023
Property Address209 E 10TH ST, SPENCER, IA 51301-4419
Document Number02023/1364
Book / Page2023 / 1364
Instrument DateJun 27, 2023
Instrument2023 1364
Transaction TypeTransfer
Record UpdatedOct 12, 2023

Transaction

AmountAmount Recorded
Tax$119.20
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1623 ROSE AVE, ALLENDORF, IA 51354-7544
InvestorPossibly a Property Investor

April 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address209 E 10TH ST, SPENCER, IA 51301-4419
Transaction TypeMortgage
Record UpdatedMay 3, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002023/566
DateApr 4, 2023
Book Page2023/566
Instrument2023 566
Lender
NameSAVINGS BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term12 Months
DueSep 22, 2023

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$193,380 (+97.93%) Land $20,000 Building $173,380$193,380 (+97.93%) Land $20,000 Building $173,380
2024$1,242.00 (-19.66%)
2023$97,700 (+17.53%) Land $14,000 Building $83,700$97,700 (+17.53%) Land $14,000 Building $83,700
2022$1,546.00 Homeowner's exemption$83,130 Land $14,000 Building $69,130
2021$83,130 Land $14,000 Building $69,130

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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