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

Clay County property record for 501 E 10th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,225 sqft · built 1900
Lot Size0.163 acres (7,100 sqft)
Owner2 Individual Names on File
Tax Bill$1,112 (2025)
Deeds & MortgagesJan 2024 Mortgage
Mar 2024 Sale
Flood ZoneZone X (minimal risk)
APN963607403007

Property Details

APN / Parcel Number

Primary APN963607403007

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,225 sqft Living Area
1st Floor Area644 sqft
Basement Area483 sqft
Unfinished Basement483 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,100 sqft (0.163 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area480 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area60 sqft
Patio Area448 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address501 E 10TH ST
CitySPENCER
StateIA
Zip51301-4817
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description7 2 COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3046
Census Tract80200

Owner

501 E 10th St is owned and occupied by two individuals.

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

Owner of Record2 Individual Names on File
Mailing Address501 E 10TH ST, SPENCER, IA 51301-4817
OccupancyOwner Occupied
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jan 3, 2024Deed of Trust, Mortgage · Conventional Mortgage
NORTHWEST BANK
Mar 29, 2024Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedOct 29, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address501 E 10TH ST, SPENCER, IA 51301-4817
Transaction TypeMortgage
Record UpdatedApr 17, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address501 E 10TH ST, SPENCER, IA 51301-4817

Mortgage

Document Number0002024/14
DateJan 3, 2024
Book Page2024/14
Instrument2024 14
Lender
NameNORTHWEST BANK
TypeBank
AddressSPENCER, IA 51301
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2054

March 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMar 29, 2024
Property Address501 E 10TH ST, SPENCER, IA 51301-4817
Document Number002024/579
Book / Page2024 / 579
Instrument DateMar 26, 2024
Instrument2024 579
Transaction TypeTransfer
Record UpdatedApr 17, 2024

Transaction

AmountAmount on Record
Tax$71.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address501 E 10TH ST, SPENCER, IA 51301-4817

Tax Assessment & Valuation

The 2025 property tax bill for 501 E 10th St was $1,112 with a homeowner's exemption, up 9.7% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,112.00 (+9.66%) Homeowner's exemption$83,550 Land $20,000 Building $63,550$83,550 Land $20,000 Building $63,550
2024$1,014.00
2023$73,560 (+16.74%) Land $14,000 Building $59,560$73,560 Land $14,000 Building $59,560
2022$954.00 Homeowner's exemption$63,010 Land $14,000 Building $49,010
2021$63,010 Land $14,000 Building $49,010

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

Flood

FEMA maps place 501 E 10th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 501 E 10th 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 RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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