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

Clay County property record for 412 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,072 sqft · built 1918
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$52,000 (Jul 2013)
Deeds & Mortgages	Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607406004`

Property Details

APN / Parcel Number

Primary APN	`963607406004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,072 sqft Living Area
1st Floor Area	720 sqft
Basement Area	540 sqft
Finished Basement	175 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1918
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	888 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	210 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	412 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 8 COLLEGE
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3052
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	412 E 10TH ST, SPENCER, IA 51301-4516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 5, 2013 · Amount on Record
Deed Sale	Jul 5, 2013 · Amount on Record
Prior Sale	Mar 11, 2013 · Amount on Record
Deed Document Number	2013 2151
Deed Book / Page	2013 / 2151
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	412 E 10TH ST, SPENCER, IA 51301-4516
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002735
Date	Oct 17, 2018
Book Page	0000002018/0000002735
Instrument	000000002735

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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	Assessed Value	Assessed Market Value
2025	$134,650 (+9.22%) Land $20,000 Building $114,650	$134,650 (+9.22%) Land $20,000 Building $114,650
2023	$123,280 Land $14,000 Building $109,280	$123,280 Land $14,000 Building $109,280

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	Not rated no burnable land within ember reach

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 Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, Verizon.

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