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

Clay County property record for 214 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1900
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on File
Last Sale	$42,000 (Jul 2019)
Tax Bill	$1,248 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607333004`

Property Details

APN / Parcel Number

Primary APN	`963607333004`
Alternative APN	`64096360733300400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	100 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	119 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Solar
Water Source	Commercial

Location & Zoning

Street Address	214 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 6 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3066
Census Tract	80200

Owner

214 E 10th St is owned by a company that bought it in July 2019.

Source: Clay County records, as of September 1, 2026

Owner of Record	Company Name on File
Mailing Address	1315 440TH ST, PETERSON, IA 51047-7040
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2019 · Amount on File
Deed Sale	Jul 3, 2019 · Amount on File
Deed Document Number	20191690
Deed Book / Page	2019 / 1690
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 3, 2019
Property Address	214 E 10TH ST, SPENCER, IA 51301-4418
Document Number	2019/1690
Book / Page	2019 / 1690
Instrument Date	Jun 10, 2019
Instrument	1690
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 358TH ST, SPENCER, IA 51301-7539

Mortgage

Document Number	1691
Date	Jul 3, 2019
Instrument	1691

Lender

Name	IOWA STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	02019/1690
Date	Jul 3, 2019
Book Page	2019/1690
Instrument	1690

Lender

Name	IOWA STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 214 E 10th St was $1,248, up 10.4% from the year before.

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	$1,248.00 (+10.44%)	$81,500 Land $20,000 Building $61,500	$81,500 Land $20,000 Building $61,500
2024	$1,130.00
2023		$70,560 (+16.4%) Land $14,000 Building $56,560	$70,560 Land $14,000 Building $56,560
2022	$1,068.00	$60,620 Land $14,000 Building $46,620
2021			$60,620 Land $14,000 Building $46,620

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

Flood

FEMA maps place 214 E 10th St in Zone X, an area of minimal flood risk.

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

The area around 214 E 10th St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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