221 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 221 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,732 sqft · built 1917
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Tax Bill	$1,218 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607337011`

Property Details

APN / Parcel Number

Primary APN	`963607337011`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,732 sqft Living Area
1st Floor Area	728 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Wood Siding
Construction Type	Wood
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	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	198 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 15 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	3073
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	221 E 8TH ST, SPENCER, IA 51301-4415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Oct 18, 2017	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 18, 2017
Transfer Doc	2017/2737
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	221 E 8TH ST, SPENCER, IA 51301-4415
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/653
Date	Mar 1, 2021
Book Page	2021/653
Instrument	2021 0653

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 18, 2017
Property Address	221 E 8TH ST, SPENCER, IA 51301-4415
Document Number	2017/2737
Book / Page	2017 / 2737
Instrument Date	Oct 18, 2017
Instrument	2017 2737
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 E 8TH ST, SPENCER, IA 51301-4415

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	$1,218.00 (+4.1%) Homeowner's exemption	$90,420 (+8.56%) Land $20,000 Building $70,420	$90,420 (+8.56%) Land $20,000 Building $70,420
2024	$1,170.00 (+5.22%)
2023		$83,290 (+15.74%) Land $14,000 Building $69,290	$83,290 (+15.74%) Land $14,000 Building $69,290
2022	$1,112.00 Homeowner's exemption	$71,960 Land $14,000 Building $57,960
2021			$71,960 Land $14,000 Building $57,960

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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