309 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 309 10th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 964 sqft · built 1935
Lot Size	0.353 acres (15,390 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,500 (Oct 2022)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618226042`

Property Details

APN / Parcel Number

Primary APN	`963618226042`
Alternative APN	`64096361822604200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	964 sqft Living Area
Basement Area	964 sqft
Finished Basement	550 sqft
Unfinished Basement	964 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,390 sqft (0.353 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 10TH AVE E
City	SPENCER
State	IA
Zip	51301-5156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12-13 JOLLIFFE'S SUB & S1/2 VAC ALLEY ON N
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	JOLIFFE'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	309 10TH AVE E, SPENCER, IA 51301-5156
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed of Trust, Mortgage · FHA Mortgage HUD
Oct 28, 2022	Warranty Deed, Transfer
Jun 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARRINGTON MORTGAGE SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	Jul 2, 2014 · Amount on Record
Deed Document Number	20222847
Deed Book / Page	2022 / 2847
Prior Transfer Date	May 24, 2021
Prior Transfer Doc	02021/1846
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	309 10TH AVE E, SPENCER, IA 51301-5156
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2251
Date	Aug 26, 2022
Book Page	2022/2251
Instrument	2022 2251

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 28, 2022
Property Address	309 10TH AVE E, SPENCER, IA 51301-5156
Document Number	02022/2847
Book / Page	2022 / 2847
Instrument Date	Oct 24, 2022
Instrument	2022 2847
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Amount	Amount Recorded
Tax	$238.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	309 10TH AVE E, SPENCER, IA 51301-5156

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jun 14, 2021
Property Address	309 10TH AVE E, SPENCER, IA 51301-5156
Document Number	02021/1846
Book / Page	2021 / 1846
Instrument Date	May 24, 2021
Instrument	2021 1846
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 10TH AVE E, SPENCER, IA 51301-5156

Mortgage

Document Number	02021/1847
Date	Jun 14, 2021
Book Page	2021/1847
Instrument	2021 1847

Lender

Name	CARRINGTON MORTGAGE SVCS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

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	$2,138.00 (-22.68%) Homeowner's exemption	$165,080 (+10.05%) Land $42,690 Building $122,390	$165,080 (+10.05%) Land $42,690 Building $122,390
2024	$2,765.00 (-8.84%)
2023		$150,010 (+18.41%) Land $29,880 Building $120,130	$150,010 (+18.41%) Land $29,880 Building $120,130
2022	$3,033.00 Homeowner's exemption	$126,690 Land $29,880 Building $96,810
2021			$126,690 Land $29,880 Building $96,810

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 371 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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