Clay County property record for 408 W 7th St, Spencer, IA 51301
| Property Type | Warehouse, Storage |
|---|---|
| Details | 2,560 sqft · built 1948 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,424 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963712480008 |
| Primary APN | 963712480008 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,560 sqft Gross Area |
| Overhead Door | Overhead Door |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Concrete Block |
| Roof Material | Metal |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 27 ft deep x 297 ft wide |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 408 W 7TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301 |
| Property Category | Industrial |
| Property Type | Industrial > Warehouse, Storage |
| Legal Description | 18 CODER'S ADD. |
| Legal Range | 37W |
| Legal Township | 96N |
| Legal Section | 12 |
| Legal Subdivision | CODER'S ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 80301 |
408 W 7th St, an industrial property, is owned by two individuals.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1705 5TH AVE E, SPENCER, IA 51301-2350 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 408 W 7th St was $1,424, down 0.3% from the year before.
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 | $1,424.00 (-0.28%) | $93,020 Land $11,760 Building $81,260 | $93,020 Land $11,760 Building $81,260 |
| 2024 | $1,428.00 | ||
| 2023 | $89,240 (+16.43%) Land $14,700 Building $74,540 | $89,240 Land $14,700 Building $74,540 | |
| 2022 | $1,350.00 | $76,650 Land $14,700 Building $61,950 | |
| 2021 | $76,650 Land $14,700 Building $61,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 408 W 7th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 408 W 7th St has no burnable land within ember reach, so its wildfire risk is not rated.
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 484 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Nextlink.
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