Clay County property record for 313 E 10th St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1917 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,174 (2024) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607401010 |
| Primary APN | 963607401010 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Basement Area | 1,104 sqft |
| Finished Basement | 650 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Exterior Material | Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 7,100 sqft (0.162 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 184 sqft |
| Patio Area | 424 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360740101000 |
|---|---|
| Street Address | 313 E 10TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 10 4 COLLEGE |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | COLLEGE ADDITION |
| Legal Lot Number | 10 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3050 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607401010
Assessment roll updated May 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 313 E 10TH ST, SPENCER, IA 51301-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jun 17, 2010 |
| Transfer Doc | 2010/1507 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 313 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/1537 |
|---|---|
| Date | Jun 08, 2020 |
| Book Page | 2020/1537 |
| Instrument | 2020 1537 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 313 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/2237 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 2020/2237 |
| Instrument | 2020 2237 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $149,500 (+10.07%) Land $20,000 Building $129,500 | $149,500 (+10.07%) Land $20,000 Building $129,500 | |
| 2024 | $2,174.00 (+6.05%) | ||
| 2023 | $135,820 (+16.69%) Land $14,000 Building $121,820 | $135,820 (+16.69%) Land $14,000 Building $121,820 | |
| 2022 | $2,050.00 | $116,390 Land $14,000 Building $102,390 | |
| 2021 | $116,390 Land $14,000 Building $102,390 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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