400 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 400 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,081 sqft · built 1910
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on Record
Last Sale	$163,000 (Mar 2024)
Tax Bill	$2,074 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Nov 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607406001`

Property Details

APN / Parcel Number

Primary APN	`963607406001`
Alternative APN	`64096360740600100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,081 sqft Living Area
1st Floor Area	636 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Cape Cod
Exterior Material	Fiber Cement Siding
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	400 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 8 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	3052
Census Tract	80200

Owner

Source: Clay County records, as of May 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	400 E 10TH ST, SPENCER, IA 51301-4516
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 17, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2024 · Amount on Record
Deed Sale	Mar 13, 2024 · Amount on Record
Prior Sale	Nov 17, 2022 · Amount on Record
Deed Document Number	2024430
Deed Book / Page	2024 / 430
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 13, 2024
Property Address	400 E 10TH ST, SPENCER, IA 51301-4516
Document Number	002024/430
Book / Page	2024 / 430
Instrument Date	Mar 10, 2024
Instrument	2024 430
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1001 9TH ST SW, SPENCER, IA 51301-5657

Mortgage

Document Number	0002024431
Date	Mar 13, 2024
Instrument	2024 431

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 17, 2022
Property Address	400 E 10TH ST, SPENCER, IA 51301-4516
Document Number	02022/2986
Book / Page	2022 / 2986
Instrument Date	Nov 17, 2022
Instrument	2022 2986
Transaction Type	Transfer
Record Updated	Dec 14, 2022

Transaction

Amount	Amount Recorded
Tax	$18.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 18TH ST, SPENCER, IA 51301-4636

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	$2,074.00 Homeowner's exemption	$164,000 (+475.64%) Land $20,000 Building $144,000	$164,000 (+475.64%) Land $20,000 Building $144,000
2024	$2,074.00 (+194.6%)
2023		$28,490 (-28.65%) Land $14,000 Building $14,490	$28,490 (-28.65%) Land $14,000 Building $14,490
2022	$704.00	$39,930 Land $14,000 Building $25,930
2021			$39,930 Land $14,000 Building $25,930

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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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