1. Home
  2. Iowa
  3. Clay County
  4. Spencer
  5. E 11th St

309 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 309 E 11th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,344 sqft · built 1915
Lot Size0.138 acres (6,020 sqft)
Owner2 Individual Names on Record
Last Sale$158,000 (Sep 2022)
Tax Bill$2,674 (2025)
Deeds & MortgagesSep 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607257010

Property Details

APN / Parcel Number

Primary APN963607257010

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,344 sqft Living Area
1st Floor Area672 sqft
Basement Area672 sqft
Finished Basement550 sqft
Unfinished Basement672 sqft
Game RoomGame Room
FlooringHardwood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Architectural StyleColonial
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,020 sqft (0.138 acres)
Lot Dimensions140 ft deep x 43 ft wide
Garage TypeDetached
Garage Area624 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area174 sqft
Deck Area130 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address309 E 11TH ST
CitySPENCER
StateIA
Zip51301-4530
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description10 8 FAIRVIEW
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionFAIRVIEW ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3049
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address309 E 11TH ST, SPENCER, IA 51301-4530
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 13, 2022 · Amount on Record
Deed SaleSep 13, 2022 · Amount on Record
Prior SaleMar 5, 2007 · Amount on Record
Deed Document Number20222422
Deed Book / Page2022 / 2422
Prior Transfer DateMar 1, 2007
Prior Transfer Doc02007/0566
Record UpdatedOct 29, 2026

September 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateSep 13, 2022
Property Address309 E 11TH ST, SPENCER, IA 51301-4530
Document Number02022/2422
Book / Page2022 / 2422
Instrument DateSep 9, 2022
Instrument2022 2422
Transaction TypeTransfer
Record UpdatedJun 1, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$252.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address309 E 11TH ST, SPENCER, IA 51301-4530

Mortgage

Document Number02022/2423
DateSep 14, 2022
Book Page2022/2423
Instrument2022 2423
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2052
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,674.00 (-1%) Homeowner's exemption$185,490 (+9.31%) Land $17,200 Building $168,290$185,490 (+9.31%) Land $17,200 Building $168,290
2024$2,701.00 (+0.48%)
2023$169,690 (+19.3%) Land $12,040 Building $157,650$169,690 (+19.3%) Land $12,040 Building $157,650
2022$2,688.00$142,240 Land $12,040 Building $130,200
2021$142,240 Land $12,040 Building $130,200

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on E 11th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures