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

Clay County property record for 308 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,049 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Feb 2022)
Tax Bill	$958 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607405003`

Property Details

APN / Parcel Number

Primary APN	`963607405003`
Alternative APN	`64096360740500300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,049 sqft Living Area
1st Floor Area	624 sqft
Attic	Attic
Attic Area	281 sqft
Basement Area	624 sqft
Finished Basement	200 sqft
Unfinished Basement	624 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	60 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	308 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 7 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	3065
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	308 E 10TH ST, SPENCER, IA 51301-4514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Feb 15, 2022	Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2022 · Amount on Record
Deed Sale	Feb 15, 2022 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	2022390
Prior Transfer Date	Feb 10, 2022
Prior Transfer Doc	002022/390
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	308 E 10TH ST, SPENCER, IA 51301-4514
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/640
Date	Mar 15, 2022
Book Page	2022/640
Instrument	2022 640

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Feb 15, 2022
Property Address	308 E 10TH ST, SPENCER, IA 51301-4514
Document Number	002022/390
Book / Page	2022 / 390
Instrument Date	Feb 10, 2022
Instrument	2022 390
Transaction Type	Transfer
Record Updated	Mar 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 E 10TH ST, SPENCER, IA 51301-4514

Mortgage

Document Number	002022/393
Date	Feb 15, 2022
Book Page	2022/393
Instrument	2022 393

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

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	$958.00	$66,740 (+11.47%) Land $20,000 Building $46,740	$66,740 (+11.47%) Land $20,000 Building $46,740
2024	$958.00 (+3.01%)
2023		$59,870 (+13.45%) Land $14,000 Building $45,870	$59,870 (+13.45%) Land $14,000 Building $45,870
2022	$930.00	$52,770 Land $14,000 Building $38,770
2021			$52,770 Land $14,000 Building $38,770

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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