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

Clay County property record for 311 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,622 sqft · built 1913
Lot Size	0.138 acres (6,020 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2021)
Tax Bill	$2,932 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607257011`

Property Details

APN / Parcel Number

Primary APN	`963607257011`
Alternative APN	`64096360725701100`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,622 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	500 sqft
Unfinished Basement	172 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	311 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 8 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3049
Census Tract	80200

Owner

311 E 11th St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	311 E 11TH ST, SPENCER, IA 51301-4530
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL CREDIT UNION
Oct 22, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
May 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL CU
Jun 22, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST SECURITY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Prior Sale	Jun 22, 2020 · Amount on File
Deed Document Number	20212092
Deed Book / Page	2021 / 2092
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2026
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Document Number	0000001586
Book / Page	2026 / 1586
Instrument Date	Jun 16, 2026
Instrument	20261586
Transaction Type	Mortgage
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 E 11TH ST, SPENCER, IA 51301-4530

Mortgage

Document Number	0000001586,
Date	Jul 1, 2026
Book Page	2026/1586
Instrument	20261586

Lender

Name	FIRST FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002768
Date	Oct 22, 2018
Book Page	0000002018/0000002768
Instrument	000000002768

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1298
Date	May 23, 2019
Book Page	2019/1298
Instrument	1298

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1643
Date	May 26, 2021
Book Page	2021/1643
Instrument	2021 1643

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 26, 2021

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2021
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Document Number	02021/2092
Book / Page	2021 / 2092
Instrument Date	Jun 29, 2021
Instrument	2021 2092
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$287.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 E 11TH ST, SPENCER, IA 51301-4530

Mortgage

Document Number	02021/2093
Date	Jul 1, 2021
Book Page	2021/2093
Instrument	2021 2093

Lender

Name	FIRST FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 22, 2020
Property Address	311 E 11TH ST, SPENCER, IA 51301-4530
Document Number	02020/1762
Book / Page	2020 / 1762
Instrument Date	Jun 17, 2020
Instrument	2020 1762
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	311 E 11TH ST, SPENCER, IA 51301-4530

Mortgage

Document Number	2020176320201763
Date	Jun 22, 2020
Instrument	2020 176320201763

Lender

Name	FIRST SECURITY BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 311 E 11th St was $2,932 with a homeowner's exemption, up 3.2% from the year before.

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	$2,932.00 (+3.24%) Homeowner's exemption	$202,320 Land $17,200 Building $185,120	$202,320 Land $17,200 Building $185,120
2024	$2,840.00
2023		$183,070 (+19.12%) Land $12,040 Building $171,030	$183,070 Land $12,040 Building $171,030
2022	$2,622.00	$153,680 Land $12,040 Building $141,640
2021			$153,680 Land $12,040 Building $141,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 311 E 11th St in Zone X, an area of minimal flood risk.

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

The area around 311 E 11th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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