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

Clay County property record for 506 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 744 sqft · built 1940
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2024)
Tax Bill	$1,582 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607407002`

Property Details

APN / Parcel Number

Primary APN	`963607407002`
Alternative APN	`64096360740700200`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	744 sqft Living Area
Basement Area	744 sqft
Finished Basement	390 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/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	200 sqft
Parking Spaces	1 Parking Space
Patio Area	420 sqft
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360740700200
Street Address	506 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	5 9 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	5
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3053
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
Mailing Address	62556 262ND ST, GIBBON, MN 55335-3068
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST NA
Apr 28, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 3, 2024 · Amount on Record
Deed Sale	Jun 3, 2024 · Amount on Record
Deed Document Number	0020241068
Deed Book / Page	2024 / 1068
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	506 E 10TH ST, SPENCER, IA 51301-4816
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1769
Date	Jul 7, 2022
Book Page	2022/1769
Instrument	2022 1769

Lender

Name	BANK MIDWEST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 28, 2022
Property Address	506 E 10TH ST, SPENCER, IA 51301-4816
Document Number	02022/1076
Book / Page	2022 / 1076
Instrument Date	Apr 25, 2022
Instrument	2022 1076
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Tax	$138.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2685 210TH AVE, MILFORD, IA 51351-7066

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	Tax Bill	Assessed Value	Assessed Market Value
2025		$110,520 (+20.51%) Land $20,000 Building $90,520	$110,520 (+20.51%) Land $20,000 Building $90,520
2024	$1,582.00 (+28.41%)
2023		$91,710 (+31.09%) Land $14,000 Building $77,710	$91,710 (+31.09%) Land $14,000 Building $77,710
2022	$1,232.00	$69,960 Land $14,000 Building $55,960
2021			$69,960 Land $14,000 Building $55,960

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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