Clay County property record for 401 E 11th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1915 |
| Lot Size | 0.138 acres (6,020 sqft) |
| Owner | Company Name on Record |
| Last Sale | $248,500 (Sep 2023) |
| Tax Bill | $830 (2025) |
| Deeds & Mortgages | Mar 2021 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607258007 |
| Primary APN | 963607258007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Basement Area | 648 sqft |
| Unfinished Basement | 648 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,020 sqft (0.138 acres) |
| Lot Dimensions | 140 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 184 sqft |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 401 E 11TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 8 7 FAIRVIEW |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | FAIRVIEW ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 80200 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 2034 360TH ST, SPENCER, IA 51301-7464 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2023 · Amount on Record |
| Deed Sale | Sep 27, 2023 · Amount on Record |
| Prior Sale | Jan 20, 2023 · Amount on Record |
| Deed Document Number | 20232164 |
| Prior Transfer Date | Feb 6, 2012 |
| Prior Transfer Doc | 2012/0423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Mar 10, 2021 |
| Property Address | 401 E 11TH ST, SPENCER, IA 51301-4531 |
| Document Number | 2021/764 |
| Book / Page | 2021 / 764 |
| Instrument Date | Feb 23, 2021 |
| Instrument | 2021 0764 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $58.40 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2034 360TH ST, SPENCER, IA 51301-7464 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $830.00 (+12.47%) | $54,220 (+17.66%) Land $17,200 Building $37,020 | $54,220 (+17.66%) Land $17,200 Building $37,020 |
| 2024 | $738.00 (-0.81%) | ||
| 2023 | $46,080 (+9.12%) Land $12,040 Building $34,040 | $46,080 (+9.12%) Land $12,040 Building $34,040 | |
| 2022 | $744.00 | $42,230 Land $12,040 Building $30,190 | |
| 2021 | $42,230 Land $12,040 Building $30,190 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
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 |
| 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.
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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