321 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 321 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$94,500 (Jan 2014)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607409011`

Property Details

APN / Parcel Number

Primary APN	`963607409011`
Alternative APN	`64096360740901100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
1st Floor Area	884 sqft
Basement Area	884 sqft
Finished Basement	750 sqft
Unfinished Basement	884 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	176 sqft
Patio Area	512 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 14 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	3064
Census Tract	80200

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 Record	Individual Name on Record
Mailing Address	PO BOX 261, SPIRIT LAKE, IA 51360-0261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit STATE BANK
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Feb 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2014 · Amount on Record
Deed Sale	Jan 30, 2014 · Amount on Record
Deed Document Number	2014236
Deed Book / Page	2014 / 236
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 8TH ST, SPENCER, IA 51301-4507
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2592
Date	Nov 3, 2025
Book Page	2025/2592
Instrument	2025 2592

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 8TH ST, SPENCER, IA 51301-4507
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/116
Date	Jan 13, 2021
Book Page	2021/116
Instrument	2021 0116

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 8TH ST, SPENCER, IA 51301-4507
Transaction Type	Mortgage
Record Updated	Mar 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/459
Date	Feb 26, 2019
Book Page	2019/459
Instrument	459

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Mar 1, 2029

Tax Assessment & Valuation

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	$2,874.00 (+5.66%) Homeowner's exemption	$187,720 (+4.2%) Land $20,000 Building $167,720	$187,720 (+4.2%) Land $20,000 Building $167,720
2024	$2,720.00 (+9.06%)
2023		$180,160 (+19.79%) Land $14,000 Building $166,160	$180,160 (+19.79%) Land $14,000 Building $166,160
2022	$2,494.00 Homeowner's exemption	$150,400 Land $14,000 Building $136,400
2021			$150,400 Land $14,000 Building $136,400

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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