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2451 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 2451 10th Ave E, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details5 bd · 3.5 ba · 2,918 sqft · built 2022
Lot Size7.52 acres (327,571 sqft)
Owner2 Individual Names on File
Last Sale$175,000 (Nov 2021)
Tax Bill$10,978 (2025)
Deeds & MortgagesJul 2023 Mortgage
Nov 2021 Sale
Flood ZoneZone X (minimal risk)
APN963606200015

Property Details

APN / Parcel Number

Primary APN963606200015

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories1 Story
Building Area2,918 sqft Living Area
Basement Area2,918 sqft
Finished Basement1,886 sqft
Unfinished Basement2,918 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2022
Effective Year BuiltEffective 2022
Exterior MaterialFiber Cement Siding
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area327,571 sqft (7.52 acres)
Garage TypeAttached
Garage Area1,200 sqft
Parking Spaces5 Parking Spaces
PorchSlab
Deck Area360 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Street Address2451 10TH AVE E
CitySPENCER
StateIA
Zip51301-2400
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA-1 AGRICU
Legal Description7.52 AC TR PT SE NE L&I 6-96-36
Legal Range36W
Legal Township96N
Legal Section6
Legal SubdivisionMCMULLENS FIRST ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1005
Census Tract80200

Owner

2451 10th Ave E is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record2 Individual Names on File
Mailing Address2451 10TH AVE E, SPENCER, IA 51301-2400
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Jul 31, 2023Deed of Trust, Mortgage · Conventional Mortgage
GREENSTATE CU
Nov 24, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 24, 2021 · Amount on File
Deed SaleNov 24, 2021 · Amount on File
Deed Document Number20213695
Deed Book / Page2021 / 3695
Record UpdatedOct 29, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address2451 10TH AVE E, SPENCER, IA 51301-2400
Transaction TypeMortgage
Record UpdatedOct 12, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02023/1621
DateJul 31, 2023
Book Page2023/1621
Instrument2023 1621
Lender
NameGREENSTATE CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2053

November 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 24, 2021
Property Address2451 10TH AVE E, SPENCER, IA 51301-2400
Document Number02021/3695
Book / Page2021 / 3695
Map ReferenceDB S1 PG 434
Instrument DateNov 19, 2021
Instrument2021 3695
Transaction TypeTransfer
Record UpdatedOct 12, 2023

Transaction

AmountAmount on Record
Tax$279.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address1055 SE GRANT WOODS CT, WAUKEE, IA 50263-7791

Tax Assessment & Valuation

The 2025 property tax bill for 2451 10th Ave E was $10,978 with a homeowner's exemption, up 2% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$10,978.00 (+1.97%) Homeowner's exemption$802,720 Land $78,040 Building $724,680$802,720 Land $78,040 Building $724,680
2024$10,766.00
2023$420,230 (+4,068.95%) Land $76,510 Building $343,720$420,230 Land $76,510 Building $343,720
2022$204.00$10,080 Land $10,080
2021$10,080 Land $10,080

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2451 10th Ave E in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims7 (1993–2024)
Most Recent ClaimJun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event
  • Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims
  • Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 2451 10th Ave E 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 RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 16 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spencer Municipal Utilities
Fiber		1,000 / 1,000
Premier Communications
Fiber		1,000 / 1,000
Mediacom Xtream
Cable		1,000 / 50
GigFire
Fixed Wireless		100 / 20

May also be available: Nextlink, Verizon.

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