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

Clay County property record for 307 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,560 sqft · built 1915
Lot Size	0.212 acres (9,230 sqft)
Owner	Company Name on Record
Last Sale	$59,000 (Jun 2020)
Tax Bill	$1,846 (2025)
Deeds & Mortgages	Sep 2019 Refinance Jun 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607409008`

Property Details

APN / Parcel Number

Primary APN	`963607409008`
Alternative APN	`64096360740900800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	780 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,230 sqft (0.212 acres)
Lot Dimensions	142 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	307 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 8 14 COLLEGE W 40' 9 14 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	3064
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	Company Name on Record
Mailing Address	1715 350TH ST, SPENCER, IA 51301-7454
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Jun 12, 2020	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Deed Document Number	20201635
Deed Book / Page	2020 / 1635
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	307 E 8TH ST, SPENCER, IA 51301-4507
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2477
Date	Sep 20, 2019
Book Page	2019/2477
Instrument	2477

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CLAY IA
Recording Date	Jun 12, 2020
Property Address	307 E 8TH ST, SPENCER, IA 51301-4507
Document Number	2020/1635
Book / Page	2020 / 1635
Instrument Date	Jun 10, 2020
Instrument	2020 1635
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$93.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1415 350TH ST, SPENCER, IA 51301

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	$1,846.00 (+6.09%)	$120,490 (+10.82%) Land $26,000 Building $94,490	$120,490 (+10.82%) Land $26,000 Building $94,490
2024	$1,740.00 (+8.07%)
2023		$108,730 (+19.04%) Land $18,200 Building $90,530	$108,730 (+19.04%) Land $18,200 Building $90,530
2022	$1,610.00	$91,340 Land $18,200 Building $73,140
2021			$91,340 Land $18,200 Building $73,140

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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