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305 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 305 E 10th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms1 Baths
Year BuiltBuilt 1920
Square Footage1,344 sqft Living Area
Lot Size7,100 sqft (0.162 acres)
OccupancyOwner Occupied
Last Sale$150,000 (2022)
Tax Bill$1,936.00 (2024)

Property Details

APN / Parcel Number

Primary APN963607401008
Alternative APN
  • 64096360740100800

Interior

Bedrooms3 Beds
Full Baths1 Baths
Total Rooms6 Rooms
Building Area1,344 sqft Living Area
1st Floor672 sqft 1st Floor
Basement Area672 sqft Basement
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructurePlaster Interior Structure

Exterior

Year BuiltBuilt 1920
Exterior MaterialVinyl Exterior
Construction TypeFrame Construction
Foundation TypeBlock Foundation
Roof ConstructionGable Roof Construction
Lot Area7,100 sqft (0.162 acres)
Depth X Width142 ft x 50 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeDetached Garage
Garage Area336 sqft Garage

Exterior Amenities

Deck Area168 sqft Deck
Patio Area168 sqft Patio
PorchEnclosed Porch
Porch Area112 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemForced Air Heating
Water SourceCommercial Water Source

Location & Zoning

Old Parcel Number64096360740100800
Street Address305 E 10TH ST
CitySPENCER
StateIA
Zip51301-4515
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal Description8 4 COLLEGE
Legal Range36
Legal Township17
Legal Section07
Legal SubdivisionCOLLEGE ADDITION
Legal Lot Number8
JurisdictionCLAY IA
Minor Civil DivisionSPENCER
Census Blockgroup3
Census Block3050
Census Tract80200

Owner

Source: Clay County records · APN 963607401008

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address305 E 10TH ST, SPENCER, IA 51301-4515
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2022Warranty Deed, Transfer · Conventional Mortgage
FLANAGAN STATE BANK
Nov 02, 2020Warranty Deed, Transfer · Conventional Mortgage
IOWA STATE BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 09, 2022 · Amount on Record
Deed SaleAug 09, 2022 · Amount on Record
Prior SaleNov 02, 2020 · Amount on Record
Deed Doc Number2022 2079
Deed Book / Page2022 / 2079
Record RefreshedJun 08, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateAug 09, 2022
Property Address305 E 10TH ST, SPENCER, IA 51301-4515
Document Number02022/2079
Book / Page2022 / 2079
Instrument DateAug 04, 2022
Instrument2022 2079
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$239.20
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address305 E 10TH ST, SPENCER, IA 51301-4515

Mortgage

Document Number02022/2080
DateAug 09, 2022
Book Page2022/2080
Instrument2022 2080
Lender
NameFLANAGAN STATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2052
Interest
Rate TypeFixed Rate

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateNov 02, 2020
Property Address305 E 10TH ST, SPENCER, IA 51301-4515
Document Number02020/3391
Book / Page2020 / 3391
Instrument DateOct 29, 2020
Instrument2020 3391
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$151.20
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address305 E 10TH ST, SPENCER, IA 51301-4515

Mortgage

Document Number02020/3392
DateNov 02, 2020
Book Page2020/3392
Instrument2020 3392
Lender
NameIOWA STATE BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 30, 2050
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$143,250 (+9.2%) Land $20,000 Building $123,250$143,250 (+9.2%) Land $20,000 Building $123,250
2024$1,936.00 (+14.42%)
2023$131,180 (+36.62%) Land $14,000 Building $117,180$131,180 (+36.62%) Land $14,000 Building $117,180
2022$1,692.00$96,020 Land $14,000 Building $82,020
2021$96,020 Land $14,000 Building $82,020

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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