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

Clay County property record for 320 E 11th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 728 sqft · built 1890
Lot Size0.163 acres (7,100 sqft)
OwnerIndividual Name on Record
Last Sale$20,000 (Dec 2020)
Tax Bill$836 (2025)
Deeds & MortgagesDec 2020 Foreclosure
Flood ZoneZone X (minimal risk)
APN963607401006

Property Details

APN / Parcel Number

Primary APN963607401006
Alternative APN
  • 64096360740100600

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories1 Story
Building Area728 sqft Living Area
Basement Area728 sqft
Unfinished Basement728 sqft
Game RoomGame Room
FlooringHardwood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Construction TypeFrame
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area7,100 sqft (0.163 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area904 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area234 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address320 E 11TH ST
CitySPENCER
StateIA
Zip51301-4529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description1 4 COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3050
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 RecordIndividual Name on Record
Mailing Address2 WALNUT ST, SIOUX RAPIDS, IA 50585-7748
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 28, 2020 · Amount on Record
Deed SaleDec 28, 2020 · Amount on Record
Deed Document Number20204113
Deed Book / Page2020 / 4113
Record UpdatedOct 29, 2026

December 2020: Legal Action/Court Order, Foreclosure

Document TypeLegal Action/Court Order
JurisdictionCLAY IA
Recording DateDec 28, 2020
Property Address320 E 11TH ST, SPENCER, IA 51301-4529
Document Number2020/4113
Book / Page2020 / 4113
Instrument DateDec 22, 2020
Instrument2020 4113
Transaction TypeForeclosure
Record UpdatedJun 28, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$31.20
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address320 E 11TH ST, SPENCER, IA 51301-4529

Mortgage

Document Number2020/4114
DateDec 28, 2020
Book Page2020/4114
Instrument2020 4114
Lender
NameSECURITY TRUST & SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
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$836.00 (+8.01%)$54,620 (+12.97%) Land $14,000 Building $40,620$54,620 (+12.97%) Land $14,000 Building $40,620
2024$774.00 (-4.21%)
2023$48,350 (+15.7%) Land $9,800 Building $38,550$48,350 (+15.7%) Land $9,800 Building $38,550
2022$808.00$41,790 Land $9,800 Building $31,990
2021$41,790 Land $9,800 Building $31,990

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.

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