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

Clay County property record for 215 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,176 sqft · built 1959
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Company Names on Record
Last Sale	$93,000 (Sep 2005)
Tax Bill	$3,034 (2025)
Deeds & Mortgages	May 2009 Mortgage Jan 2013 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607329011`

Property Details

APN / Parcel Number

Primary APN	`963607329011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	792 sqft
Unfinished Basement	1,176 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	888 sqft
Parking Spaces	3 Parking Spaces
Patio Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	215 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 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	2 Company Names on Record
Mailing Address	215 E 10TH ST, SPENCER, IA 51301-4419
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 18, 2009	Deed of Trust, Mortgage · FHA Mortgage NORTHWEST BANK
Jan 17, 2013	Deed of Trust, Mortgage · Conventional Mortgage NORTHWESTERN BANK
Jul 10, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 8, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 16, 2013	Deed, Transfer
Sep 7, 2005	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2005 · Amount on Record
Deed Sale	Sep 7, 2005 · Amount on Record
Deed Document Number	20053048
Deed Book / Page	2005 / 3048
Last Transfer Date	May 8, 2026
Transfer Doc	0000001129
Record Updated	Oct 29, 2026

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/1727
Date	May 18, 2009
Book Page	2009/1727
Instrument	2009 1727

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2039

January 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02013/0185
Date	Jan 17, 2013
Book Page	2013/0185
Instrument	2013 0185

Lender

Name	NORTHWESTERN BANK
Address	ORANGE CITY, IA 51041

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2043

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2020
Date	Jul 10, 2012
Book Page	2012/2020
Instrument	2012 2020

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2042

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	May 8, 2026
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Document Number	0000001129
Book / Page	2026 / 1129
Instrument Date	May 8, 2026
Instrument	20261129
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	215 E 10TH ST, SPENCER, IA 51301-4419

January 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Jan 16, 2013
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Document Number	02013/0162
Book / Page	2013 / 0162
Instrument Date	Jul 18, 2012
Instrument	2013 162
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 E 10TH ST, SPENCER, IA 51301-4419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 675, REMSEN, IA 51050-0675
Investor	Possibly a Property Investor

September 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 7, 2005
Property Address	215 E 10TH ST, SPENCER, IA 51301-4419
Document Number	02005/3048
Book / Page	2005 / 3048
Instrument Date	Aug 31, 2005
Instrument	2005 3048
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 E 10TH ST, SPENCER, IA 51301-4419
Investor	Possibly a Property Investor

Mortgage

Document Number	0020053050
Date	Sep 7, 2005
Instrument	2005 3050

Lender

Name	NORTHWEST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2035

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	$3,034.00 (+5.42%)	$198,080 (+10.15%) Land $20,000 Building $178,080	$198,080 (+10.15%) Land $20,000 Building $178,080
2024	$2,878.00 (+7.07%)
2023		$179,830 (+17.86%) Land $14,000 Building $165,830	$179,830 (+17.86%) Land $14,000 Building $165,830
2022	$2,688.00	$152,580 Land $14,000 Building $138,580
2021			$152,580 Land $14,000 Building $138,580

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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