Clay County property record for 221 E 10th St, Spencer, IA 51301 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,493 sqft · built 1920 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,296 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage May 2013 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607329012 |
| Primary APN | 963607329012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,493 sqft Living Area |
| 1st Floor Area | 1,106 sqft |
| Attic | Attic |
| Attic Area | 387 sqft |
| Basement Area | 1,106 sqft |
| Finished Basement | 473 sqft |
| Unfinished Basement | 1,106 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cape Cod |
| 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 | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 221 E 10TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 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 |
Source: Clay County records · APN 963607329012
Assessment roll updated September 30, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| May 14, 2013 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK |
| Dec 30, 2014 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK |
| May 06, 2011 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Aug 24, 2012 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK |
| May 20, 2021 | Intrafamily Transfer, Transfer |
| May 30, 2008 | Special Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 30, 2008 |
| Deed Sale | May 30, 2008 |
| Deed Document Number | 20081601 |
| Deed Book / Page | 2008 / 1601 |
| Last Transfer Date | May 20, 2021 |
| Transfer Doc | 2021/1554 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02020/2270 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 2020/2270 |
| Instrument | 2020 2270 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02013/1554 |
|---|---|
| Date | May 14, 2013 |
| Book Page | 2013/1554 |
| Instrument | 2013 1554 |
| Name | FARMERS TRUST AND SAVINGS BANK |
|---|---|
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02014/3332 |
|---|---|
| Date | Dec 30, 2014 |
| Book Page | 2014/3332 |
| Instrument | 2014 3332 |
| Name | FARMERS TRUST AND SAVINGS BANK |
|---|---|
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02011/1069 |
|---|---|
| Date | May 06, 2011 |
| Book Page | 2011/1069 |
| Instrument | 2011 1069 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Apr 15, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02012/2528 |
|---|---|
| Date | Aug 24, 2012 |
| Book Page | 2012/2528 |
| Instrument | 2012 2528 |
| Name | FARMERS TRUST AND SAVINGS BANK |
|---|---|
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 13 Months |
| Due | Sep 01, 2013 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 20, 2021 |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Document Number | 2021/1554 |
| Book / Page | 2021 / 1554 |
| Instrument Date | May 20, 2021 |
| Instrument | 2021 1554 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 211 E 10TH ST, SPENCER, IA 51301-4419 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 30, 2008 |
| Property Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Document Number | 02008/1601 |
| Book / Page | 2008 / 1601 |
| Instrument Date | May 28, 2008 |
| Instrument | 2008 1601 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 221 E 10TH ST, SPENCER, IA 51301-4419 |
| Document Number | 0020081602 |
|---|---|
| Date | May 30, 2008 |
| Instrument | 2008 1602 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | May 28, 2041 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $2,296.00 Homeowner's exemption | $165,170 (+7.47%) Land $20,000 Building $145,170 | $165,170 (+7.47%) Land $20,000 Building $145,170 |
| 2024 | $2,296.00 (+6.69%) | ||
| 2023 | $153,690 (+17.24%) Land $14,000 Building $139,690 | $153,690 (+17.24%) Land $14,000 Building $139,690 | |
| 2022 | $2,152.00 Homeowner's exemption | $131,090 Land $14,000 Building $117,090 | |
| 2021 | $131,090 Land $14,000 Building $117,090 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
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.
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