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

Clay County property record for 506 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,118 sqft · built 1954
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$136,500 (Jun 2018)
Tax Bill	$2,552 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Apr 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607403002`

Property Details

APN / Parcel Number

Primary APN	`963607403002`
Alternative APN	`64096360740300200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area
Basement Area	838 sqft
Unfinished Basement	838 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Mixed
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Patio Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	506 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 2 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	3046
Census Tract	80200

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	506 E 11TH ST, SPENCER, IA 51301-4824
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2018	Deed of Trust, Mortgage FAIRWAY INDEPENDENT MORTGAGE
Apr 23, 2021	Intrafamily Transfer, Transfer
Jun 25, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Aug 24, 2011 · Amount on Record
Deed Document Number	20181666
Deed Book / Page	2018 / 1666
Last Transfer Date	Apr 2, 2021
Transfer Doc	2021/1251
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	506 E 11TH ST, SPENCER, IA 51301-4824
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001667
Date	Jun 25, 2018
Book Page	0000002018/0000001667
Instrument	000000001667

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Apr 23, 2021
Property Address	506 E 11TH ST, SPENCER, IA 51301-4824
Document Number	2021/1251
Book / Page	2021 / 1251
Instrument Date	Apr 2, 2021
Instrument	2021 1251
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 E 11TH ST, SPENCER, IA 51301-4824

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 25, 2018
Property Address	506 E 11TH ST, SPENCER, IA 51301-4824
Document Number	2018/1666
Book / Page	2018 / 1666
Instrument Date	Jun 15, 2018
Instrument	000000001666
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 E 11TH ST, SPENCER, IA 51301-4824

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	$2,552.00 (+5.45%)	$166,710 (+10.29%) Land $20,000 Building $146,710	$166,710 (+10.29%) Land $20,000 Building $146,710
2024	$2,420.00 (+7.94%)
2023		$151,150 (+18.8%) Land $14,000 Building $137,150	$151,150 (+18.8%) Land $14,000 Building $137,150
2022	$2,242.00	$127,230 Land $14,000 Building $113,230
2021			$127,230 Land $14,000 Building $113,230

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.

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