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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,104 sqft · built 1917
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$92,500 (Mar 2021)
Tax Bill	$1,688 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607401009`

Property Details

APN / Parcel Number

Primary APN	`963607401009`
Alternative APN	`64096360740100900`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Basement Area	1,104 sqft
Finished Basement	350 sqft
Unfinished Basement	1,104 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Foundation Type	Block
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	192 sqft
Porch	Porch
Porch Area	184 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	309 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 4 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	3050
Census Tract	80200

Owner

Source: Clay County records, as of October 16, 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	Individual Name on Record
Mailing Address	309 E 10TH ST, SPENCER, IA 51301-4515
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
Mar 12, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	Sep 29, 2014 · Amount on Record
Deed Document Number	2021785
Deed Book / Page	2021 / 785
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Sep 14, 2026
Property Address	309 E 10TH ST, SPENCER, IA 51301-4515
Document Number	0000002287
Book / Page	2026 / 2287
Instrument Date	Sep 9, 2026
Instrument	20262287
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 10TH ST, SPENCER, IA 51301-4515

Mortgage

Document Number	0000002287,
Date	Sep 14, 2026
Book Page	2026/2287
Instrument	20262287

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 12, 2021
Property Address	309 E 10TH ST, SPENCER, IA 51301-4515
Document Number	2021/785
Book / Page	2021 / 785
Instrument Date	Mar 8, 2021
Instrument	2021 0785
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$147.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 E 10TH ST, SPENCER, IA 51301-4515

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	$1,688.00 (+5.76%) Homeowner's exemption	$121,060 (+10.12%) Land $20,000 Building $101,060	$121,060 (+10.12%) Land $20,000 Building $101,060
2024	$1,596.00 (+5.56%)
2023		$109,930 (+16.05%) Land $14,000 Building $95,930	$109,930 (+16.05%) Land $14,000 Building $95,930
2022	$1,512.00 Homeowner's exemption	$94,730 Land $14,000 Building $80,730
2021			$94,730 Land $14,000 Building $80,730

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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