411 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 411 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,012 sqft · built 1915
Lot Size	0.138 acres (6,020 sqft)
Owner	Company Name on File
Last Sale	$80,000 (Mar 2024)
Tax Bill	$1,420 (2025)
Deeds & Mortgages	Mar 2024 Sale & Line of Credit May 2009 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607258010`

Property Details

APN / Parcel Number

Primary APN	`963607258010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
1st Floor Area	820 sqft
Basement Area	820 sqft
Finished Basement	436 sqft
Unfinished Basement	820 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	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	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	411 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 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

Owner

411 E 11th St is owned by a company that bought it in March 2024.

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	1824 S GRAND PLAZA DR, SPENCER, IA 51301-5936
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2024	Warranty Deed, Transfer · Line of Credit STATE BANK
May 6, 2009	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2024 · Amount on File
Deed Sale	Mar 8, 2024 · Amount on File
Prior Sale	May 6, 2009
Deed Document Number	2024411
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 8, 2024
Property Address	411 E 11TH ST, SPENCER, IA 51301-4531
Document Number	002024/411
Book / Page	2024 / 411
Instrument Date	Mar 7, 2024
Instrument	2024 411
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1824 S GRAND PLAZA DR, SPENCER, IA 51301-5936

Mortgage

Document Number	0002024412
Date	Mar 8, 2024
Instrument	2024 412

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Mar 8, 2029

May 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 6, 2009
Property Address	411 E 11TH ST, SPENCER, IA 51301-4531
Document Number	02009/1612
Book / Page	2009 / 1612
Instrument Date	May 4, 2009
Instrument	2009 1612
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 E 11TH ST, SPENCER, IA 51301-4531

Mortgage

Document Number	0020091613
Date	May 6, 2009
Instrument	2009 1613

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	May 2, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 411 E 11th St was $1,420, up 7.9% from the year before.

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	$1,420.00 (+7.9%)	$92,680 Land $17,200 Building $75,480	$92,680 Land $17,200 Building $75,480
2024	$1,316.00
2023		$91,940 (+17.74%) Land $12,040 Building $79,900	$91,940 Land $12,040 Building $79,900
2022	$1,376.00 Homeowner's exemption	$78,090 Land $12,040 Building $66,050
2021			$78,090 Land $12,040 Building $66,050

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

Flood

FEMA maps place 411 E 11th St in Zone X, an area of minimal flood risk.

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

The area around 411 E 11th 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.

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.

Nearby Properties on E 11th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures