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

Clay County property record for 404 E 10th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,125 sqft · built 1940
Lot Size0.162 acres (7,100 sqft)
OwnerIndividual Name on File
Last Sale$170,000 (Dec 2024)
Tax Bill$1,524 (2024)
Deeds & MortgagesJun 2023 Line of Credit
Sep 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN963607406002

Property Details

APN / Parcel Number

Primary APN963607406002
Alternative APN
  • 64096360740600200

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,125 sqft Living Area
1st Floor Area1,080 sqft
Basement Area1,080 sqft
Finished Basement300 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1940
Architectural StyleRanch
Exterior MaterialVinyl
Construction TypeFrame
Foundation TypeBlock
Roof TypeGable
Lot Area7,100 sqft (0.162 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area288 sqft
Parking Spaces1 Parking Space
Patio Area227 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number64096360740600200
Street Address404 E 10TH ST
CitySPENCER
StateIA
Zip51301-4516
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5 8 COLLEGE
Legal Range36
Legal Township17
Legal Section07
Legal SubdivisionCOLLEGE ADDITION
Legal Lot Number5
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3052
Census Tract80200

Owner

Source: Clay County records · APN 963607406002

Assessment roll updated May 1, 2025 · Last verified October 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address404 E 10TH ST, SPENCER, IA 51301-4516
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 12, 2023Deed of Trust, Mortgage · Line of Credit
NORTHWEST BANK
Sep 13, 2021Deed of Trust, Mortgage · Conventional Mortgage
NORTHWEST BANK
Jan 13, 2021Warranty Deed, Transfer · Conventional Mortgage
NORTHWEST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 19, 2024 · Amount on Record
Deed SaleDec 19, 2024 · Amount on Record
Prior SaleJan 13, 2021 · Amount on Record
Deed Document Number2024 2960
Deed Book / Page2024 / 2960
Record UpdatedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address404 E 10TH ST, SPENCER, IA 51301-4516
Transaction TypeMortgage
Record UpdatedJul 12, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02023/1154
DateJun 12, 2023
Book Page2023/1154
Instrument2023 1154
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJun 15, 2033
Interest
Rate TypeAdjustable Rate

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address404 E 10TH ST, SPENCER, IA 51301-4516
Transaction TypeMortgage
Record UpdatedJun 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02021/2887
DateSep 13, 2021
Book Page2021/2887
Instrument2021 2887
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueSep 15, 2031
Interest
Rate TypeFixed Rate

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateJan 13, 2021
Property Address404 E 10TH ST, SPENCER, IA 51301-4516
Document Number002021/108
Book / Page2021 / 108
Instrument DateJan 05, 2021
Instrument2021 0108
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$119.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 E 10TH ST, SPENCER, IA 51301-4516

Mortgage

Document Number002021/109
DateJan 13, 2021
Book Page2021/109
Instrument2021 0109
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2051
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$149,490 (+41.74%) Land $20,000 Building $129,490$149,490 (+41.74%) Land $20,000 Building $129,490
2024$1,524.00 (+7.48%)
2023$105,470 (+17.98%) Land $14,000 Building $91,470$105,470 (+17.98%) Land $14,000 Building $91,470
2022$1,418.00 Homeowner's exemption$89,400 Land $14,000 Building $75,400
2021$89,400 Land $14,000 Building $75,400

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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