Clay County property record for 321 E 10th St, Spencer, IA 51301 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,119 sqft · built 1958 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $162,000 (Dec 2021) |
| Tax Bill | $2,786 (2025) |
| Deeds & Mortgages | Apr 2017 Line of Credit Sep 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607401012 |
| Primary APN | 963607401012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,119 sqft Living Area |
| Basement Area | 1,119 sqft |
| Finished Basement | 449 sqft |
| Unfinished Basement | 1,119 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 96 sqft |
| Patio Area | 750 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 321 E 10TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 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 |
Source: Clay County records · APN 963607401012
Assessment roll updated September 30, 2025 · Last verified April 2026
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 |
|---|---|
| Mailing Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Apr 11, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Dec 21, 2021 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Oct 19, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Oct 19, 2020 · Amount on Record |
| Deed Document Number | 20213995 |
| Deed Book / Page | 2021 / 3995 |
| Prior Transfer Date | May 01, 2009 |
| Prior Transfer Doc | 02009/1707 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002017/887 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 2017/887 |
| Instrument | 0887 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02020/2965 |
|---|---|
| Date | Sep 28, 2020 |
| Book Page | 2020/2965 |
| Instrument | 2020 2965 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 25, 2021 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02017/0887 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 2017/0887 |
| Instrument | 2017 0887 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Dec 21, 2021 |
| Property Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Document Number | 02021/3995 |
| Book / Page | 2021 / 3995 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 2021 3995 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $258.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Document Number | 02021/3996 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 2021/3996 |
| Instrument | 2021 3996 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Oct 19, 2020 |
| Property Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Document Number | 02020/3175 |
| Book / Page | 2020 / 3175 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 2020 3175 |
| Transaction Type | Transfer |
| Record Updated | Feb 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $229.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 E 10TH ST, SPENCER, IA 51301-4515 |
| Investor | Possibly a Property Investor |
| Document Number | 2020317620203176 |
|---|---|
| Date | Oct 19, 2020 |
| Instrument | 2020 317620203176 |
| Name | NORTHWEST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026
| 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 | $2,786.00 Homeowner's exemption | $200,740 (+8.96%) Land $20,000 Building $180,740 | $200,740 (+8.96%) Land $20,000 Building $180,740 |
| 2024 | $2,786.00 (+8.74%) | ||
| 2023 | $184,240 (+19.39%) Land $14,000 Building $170,240 | $184,240 (+19.39%) Land $14,000 Building $170,240 | |
| 2022 | $2,562.00 Homeowner's exemption | $154,320 Land $14,000 Building $140,320 | |
| 2021 | $154,320 Land $14,000 Building $140,320 |
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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