Clay County property record for 301 E 10th St, Spencer, IA 51301 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1920 |
| Square Footage | 1,713 sqft Living Area |
| Lot Size | 7,100 sqft (0.163 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $113,500 (2006) |
| Tax Bill | $1,942.00 (2025) |
| Primary APN | 963607401007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 10 Rooms |
| Building Area | 1,713 sqft Living Area |
| 1st Floor | 780 sqft 1st Floor |
| Basement Area | 780 sqft Basement |
| Finished Basement | 600 sqft Finished |
| Unfinished Basement | 780 sqft Unfinished |
| Game Room | Game Room |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,100 sqft (0.163 acres) |
| Depth X Width | 142 ft x 50 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 808 sqft Garage |
| Deck Area | 66 sqft Deck |
| Patio Area | 352 sqft Patio |
| Cooling System | None Cooling |
|---|---|
| Heating System | Baseboard Heating |
| Heating Fuel | Electric Heating Fuel |
| Water Source | Commercial Water Source |
| Street Address | 301 E 10TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4515 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 7 4 COLLEGE |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | COLLEGE ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3050 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607401007
Assessment roll updated September 30, 2025 · Last verified August 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 | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 20, 2011 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Apr 08, 2005 | Deed of Trust, Mortgage · Line of Credit FRAMERS TRUST AND SAVINGS BANK |
| Jan 05, 2011 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Apr 07, 2006 | Joint Tenancy Deed, Transfer · Conventional Mortgage RIVER FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 07, 2006 · Amount on Record |
| Deed Sale | Apr 07, 2006 · Amount on Record |
| Deed Doc Number | 20061032 |
| Deed Book / Page | 2006 / 1032 |
| Last Transfer Date | Mar 01, 2024 |
| Transfer Doc | 002024/356 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02011/0202 |
|---|---|
| Date | Jan 20, 2011 |
| Book Page | 2011/0202 |
| Instrument | 2011 0202 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 15, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02005/1210 |
|---|---|
| Date | Apr 08, 2005 |
| Book Page | 2005/1210 |
| Instrument | 2005 1210 |
| Name | FRAMERS TRUST AND SAVINGS BANK |
|---|---|
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02011/0033 |
|---|---|
| Date | Jan 05, 2011 |
| Book Page | 2011/0033 |
| Instrument | 2011 0033 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2026 |
| Document Type | Joint Tenancy Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Apr 07, 2006 |
| Property Address | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Document Number | 02006/1032 |
| Book / Page | 2006 / 1032 |
| Instrument Date | Mar 22, 2006 |
| Instrument | 2006 1032 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 301 E 10TH ST, SPENCER, IA 51301-4515 |
| Document Number | 0020061034 |
|---|---|
| Date | Apr 07, 2006 |
| Instrument | 2006 1034 |
| Name | RIVER FUNDING CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2036 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 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 | $1,942.00 Homeowner's exemption | $150,120 (+7.26%) Land $20,000 Building $130,120 | $150,120 (+7.26%) Land $20,000 Building $130,120 |
| 2024 | $1,942.00 (+2.43%) | ||
| 2023 | $139,960 (+16.74%) Land $14,000 Building $125,960 | $139,960 (+16.74%) Land $14,000 Building $125,960 | |
| 2022 | $1,896.00 Homeowner's exemption | $119,890 Land $14,000 Building $105,890 | |
| 2021 | $119,890 Land $14,000 Building $105,890 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures