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

Clay County property record for 401 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,118 sqft · built 1925
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Tax Bill	$1,482 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607410007`

Property Details

APN / Parcel Number

Primary APN	`963607410007`
Alternative APN	`64096360741000700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area
1st Floor Area	1,054 sqft
Basement Area	1,054 sqft
Unfinished Basement	1,054 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	401 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 13 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	3063
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	401 E 8TH ST, SPENCER, IA 51301-4509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	May 14, 2026
Property Address	401 E 8TH ST, SPENCER, IA 51301-4509
Document Number	0000001165
Book / Page	2026 / 1165
Instrument Date	May 5, 2026
Instrument	20261165
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E 8TH ST, SPENCER, IA 51301-4509

Mortgage

Document Number	0000001165,
Date	May 14, 2026
Book Page	2026/1165
Instrument	20261165

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

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	$1,482.00 (+0.82%) Homeowner's exemption	$122,310 (+5.65%) Land $20,000 Building $102,310	$122,310 (+5.65%) Land $20,000 Building $102,310
2024	$1,470.00 (-6.01%)
2023		$115,770 (+18.5%) Land $14,000 Building $101,770	$115,770 (+18.5%) Land $14,000 Building $101,770
2022	$1,564.00 Homeowner's exemption	$97,700 Land $14,000 Building $83,700
2021			$97,700 Land $14,000 Building $83,700

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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