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

Clay County property record for 424 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 832 sqft · built 1951
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2026)
Tax Bill	$1,900 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607406006`

Property Details

APN / Parcel Number

Primary APN	`963607406006`
Alternative APN	`64096360740600600`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
Basement Area	832 sqft
Finished Basement	330 sqft
Unfinished Basement	832 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	424 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 8 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	3052
Census Tract	80200

Owner

Source: Clay County records, as of August 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	424 E 10TH ST, SPENCER, IA 51301-4516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK
Feb 25, 2019	Trustee's Deed, Foreclosure · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on Record
Deed Sale	Jul 24, 2026 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	20261805
Deed Book / Page	2026 / 1805
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 24, 2026
Property Address	424 E 10TH ST, SPENCER, IA 51301-4516
Document Number	0000001805
Book / Page	2026 / 1805
Instrument Date	Jul 22, 2026
Instrument	20261805
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$23,351.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E 10TH ST, SPENCER, IA 51301-4516

Mortgage

Document Number	0000001806,
Date	Jul 24, 2026
Book Page	2026/1806
Instrument	20261806

Lender

Name	FARMERS SAVINGS BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000001810,
Date	Jul 24, 2026
Book Page	2026/1810
Instrument	20261810

Lender

Name	IOWA FINANCIAL AUTH

Agreement

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

Interest

Rate	6.52%
Max Rate	-1%

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY IA
Recording Date	Feb 25, 2019
Property Address	424 E 10TH ST, SPENCER, IA 51301-4516
Document Number	2019/451
Book / Page	2019 / 451
Instrument Date	Feb 18, 2019
Instrument	2019-451
Transaction Type	Foreclosure
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E 10TH ST, SPENCER, IA 51301-4516

Mortgage

Document Number	452
Date	Feb 25, 2019
Instrument	452

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	002019/451
Date	Feb 25, 2019
Book Page	2019/451
Instrument	2019-451

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$1,900.00	$131,740 (+11.04%) Land $20,000 Building $111,740	$131,740 (+11.04%) Land $20,000 Building $111,740
2024	$1,900.00 (+7.59%)
2023		$118,640 (+18.34%) Land $14,000 Building $104,640	$118,640 (+18.34%) Land $14,000 Building $104,640
2022	$1,766.00	$100,250 Land $14,000 Building $86,250
2021			$100,250 Land $14,000 Building $86,250

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

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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