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

Clay County property record for 303 E 8th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,149 sqft · built 1900
Lot Size0.152 acres (6,600 sqft)
OwnerIndividual Name on Record
Last Sale$30,000 (May 2018)
Tax Bill$528 (2025)
Deeds & MortgagesJul 2026 Mortgage
May 2018 Sale
Flood ZoneZone X (minimal risk)
APN963607409007

Property Details

APN / Parcel Number

Primary APN963607409007
Alternative APN
  • 64096360740900700

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,149 sqft Living Area
1st Floor Area384 sqft
Basement Area864 sqft
Unfinished Basement384 sqft
FlooringHardwood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,600 sqft (0.152 acres)
Lot Dimensions88 ft deep x 75 ft wide
Garage TypeDetached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area152 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address303 E 8TH ST
CitySPENCER
StateIA
Zip51301-4507
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS 88' 7 14 COLLEGE S 88' W 1/2 8 14 COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3064
Census Tract80200

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 RecordIndividual Name on Record
Mailing Address303 E 8TH ST, SPENCER, IA 51301-4507
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 24, 2026Deed of Trust, Mortgage · Conventional Mortgage
COMMUNITY STATE BANK
May 4, 2018Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 4, 2018 · Amount on Record
Deed SaleMay 4, 2018 · Amount on Record
Deed Document Number20181109
Deed Book / Page2018 / 1109
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Recording DateJul 24, 2026
Property Address303 E 8TH ST, SPENCER, IA 51301-4507
Document Number0000001815
Book / Page2026 / 1815
Instrument DateJul 20, 2026
Instrument20261815
Transaction TypeMortgage
Record UpdatedAug 19, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address303 E 8TH ST, SPENCER, IA 51301-4507

Mortgage

Document Number0000001815,
DateJul 24, 2026
Book Page2026/1815
Instrument20261815
Lender
NameCOMMUNITY STATE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueJul 20, 2031
Interest
Rate6.47%
Max Rate-1%

May 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMay 4, 2018
Property Address303 E 8TH ST, SPENCER, IA 51301-4507
Document Number2018/1109
Book / Page2018 / 1109
Instrument DateMay 4, 2018
Instrument2018-1109
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address303 E 8TH ST, SPENCER, IA 51301-4507

Tax Assessment & Valuation

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$528.00 (+12.82%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$53,090 (+18%) Land $24,600 Building $28,490$53,090 (+18%) Land $24,600 Building $28,490
2024$468.00 (+2.63%)
2023$44,990 (+13.24%) Land $17,220 Building $27,770$44,990 (+13.24%) Land $17,220 Building $27,770
2022$456.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$39,730 Land $17,220 Building $22,510
2021$39,730 Land $17,220 Building $22,510

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 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 451 locations within half a mile, as of December 31, 2025

ProviderMax 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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