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

Clay County property record for 214 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,206 sqft · built 1947
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (May 2007)
Tax Bill	$2,390 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2017 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`963607329004`

Property Details

APN / Parcel Number

Primary APN	`963607329004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area
1st Floor Area	832 sqft
Attic	Attic
Attic Area	374 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	42 sqft
Deck Area	188 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	214 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 5 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	3067
Census Tract	80200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	214 E 11TH ST, SPENCER, IA 51301-4434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jun 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 3, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
May 21, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2007 · Amount on Record
Deed Sale	May 21, 2007 · Amount on Record
Deed Document Number	20071479
Deed Book / Page	2007 / 1479
Last Transfer Date	Jul 11, 2013
Transfer Doc	2013/2304
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jun 9, 2026
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Document Number	0000001374
Book / Page	2026 / 1374
Instrument Date	Jun 4, 2026
Instrument	20261374
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 E 11TH ST, SPENCER, IA 51301-4434

Mortgage

Document Number	0000001374,
Date	Jun 9, 2026
Book Page	2026/1374
Instrument	20261374

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002017/813
Date	Apr 3, 2017
Book Page	2017/813
Instrument	0813

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/719
Date	Mar 23, 2022
Book Page	2022/719
Instrument	2022 719

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

Interest

Rate Type	Fixed Rate

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02012/1668
Date	Jun 8, 2012
Book Page	2012/1668
Instrument	2012 1668

Lender

Name	FARMERS TRUST AND SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2037

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/0813
Date	Apr 3, 2017
Book Page	2017/0813
Instrument	2017 0813

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0813
Date	Apr 3, 2017
Book Page	2017/0813
Instrument	2017 0813

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	May 21, 2007
Property Address	214 E 11TH ST, SPENCER, IA 51301-4434
Document Number	02007/1479
Book / Page	2007 / 1479
Instrument Date	Apr 19, 2007
Instrument	2007 1479
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	214 E 11TH ST, SPENCER, IA 51301-4434
Investor	Possibly a Property Investor

Mortgage

Document Number	0020071480
Date	May 21, 2007
Instrument	2007 1480

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

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	$2,390.00 (+7.46%) Homeowner's exemption	$166,910 (+11.92%) Land $20,000 Building $146,910	$166,910 (+11.92%) Land $20,000 Building $146,910
2024	$2,224.00 (+7.13%)
2023		$149,130 (+17.66%) Land $14,000 Building $135,130	$149,130 (+17.66%) Land $14,000 Building $135,130
2022	$2,076.00 Homeowner's exemption	$126,750 Land $14,000 Building $112,750
2021			$126,750 Land $14,000 Building $112,750

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

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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