210 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 210 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 756 sqft · built 1910
Lot Size	0.162 acres (7,100 sqft)
Owner	Company Name on Record
Last Sale	$90,000 (Mar 2025)
Tax Bill	$770 (2022)
Deeds & Mortgages	May 2018 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607329003`

Property Details

APN / Parcel Number

Primary APN	`963607329003`
Alternative APN	`64096360732900300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	756 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360732900300
Street Address	210 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1 GENERAL COMMERCIAL
Legal Description	4 5 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	4
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3067
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	1200 1ST AVE E, SPENCER, IA 51301-4342
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 25, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Oct 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK
Oct 21, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Oct 21, 2022 · Amount on Record
Deed Document Number	0002025551
Deed Book / Page	2025 / 551
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001381
Date	May 25, 2018
Book Page	0000002018/0000001381
Instrument	000000001381

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2732
Date	Oct 14, 2022
Book Page	2022/2732
Instrument	2022 2732

Lender

Name	AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 21, 2022
Property Address	210 E 11TH ST, SPENCER, IA 51301-4434
Document Number	02022/2778
Book / Page	2022 / 2778
Instrument Date	Oct 5, 2022
Instrument	2022 2778
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$118.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 E 11TH ST, SPENCER, IA 51301-4434

Mortgage

Document Number	02022/2914
Date	Nov 7, 2022
Book Page	2022/2914
Instrument	2022 2914

Lender

Name	AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

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		$79,210 (+15.05%) Land $20,000 Building $59,210	$79,210 (+15.05%) Land $20,000 Building $59,210
2023		$68,850 (+57.34%) Land $14,000 Building $54,850	$68,850 (+57.34%) Land $14,000 Building $54,850
2022	$770.00	$43,760 Land $11,200 Building $32,560
2021			$43,760 Land $11,200 Building $32,560

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 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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