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

Clay County property record for 213 E 10th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,380 sqft · built 1940
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Tax Bill	$2,868 (2024)
Deeds & Mortgages	Jul 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607329010`

Property Details

APN / Parcel Number

Primary APN	`963607329010`
Alternative APN	`64096360732901000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,022 sqft
Attic Area	358 sqft
Basement Area	1,022 sqft
Finished Basement	250 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	35 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360732901000
Street Address	213 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 5 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	10
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3067
Census Tract	80200

Owner

Source: Clay County records · APN 963607329010

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	213 E 10TH ST, SPENCER, IA 51301-4419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 10, 2006
Transfer Doc	2006/3149
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	213 E 10TH ST, SPENCER, IA 51301-4419
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1955
Date	Jul 30, 2019
Book Page	2019/1955
Instrument	1955

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$208,330 (+10.04%) Land $20,000 Building $188,330	$208,330 (+10.04%) Land $20,000 Building $188,330
2024	$2,868.00 (+8.72%)
2023		$189,330 (+19.38%) Land $14,000 Building $175,330	$189,330 (+19.38%) Land $14,000 Building $175,330
2022	$2,638.00 Homeowner's exemption	$158,600 Land $14,000 Building $144,600
2021			$158,600 Land $14,000 Building $144,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 451 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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