601 E 7th St, Spencer, IA 51301 Property Records

Clay County property record for 601 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 732 sqft · built 1900
Lot Size	0.089 acres (3,905 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Feb 2021)
Tax Bill	$808 (2024)
Deeds & Mortgages	Feb 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607416008`

Property Details

APN / Parcel Number

Primary APN	`963607416008`
Alternative APN	`64096360741600800`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	732 sqft Living Area
Basement Area	732 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	3,905 sqft (0.089 acres)
Lot Dimensions	71 ft deep x 55 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360741600800
Street Address	601 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4807
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	S 71' 7 20 COLLEGE S 71' OF W 5' 8 20 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3080
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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 Record
Mailing Address	1480 370TH ST, ROYAL, IA 51357-7531
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2021 · Amount on Record
Deed Sale	Feb 16, 2021 · Amount on Record
Deed Document Number	2021 0489
Deed Book / Page	2021 / 489
Record Updated	Jun 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 16, 2021
Property Address	601 E 7TH ST, SPENCER, IA 51301-4807
Document Number	2021/489
Book / Page	2021 / 489
Instrument Date	Feb 11, 2021
Instrument	2021 0489
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$87.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1480 370TH ST, ROYAL, IA 51357-7531

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		$55,480 (+9.84%) Land $13,670 Building $41,810	$55,480 (+9.84%) Land $13,670 Building $41,810
2024	$808.00 (+7.16%)
2023		$50,510 (+18.12%) Land $10,540 Building $39,970	$50,510 (+18.12%) Land $10,540 Building $39,970
2022	$754.00	$42,760 Land $10,540 Building $32,220
2021			$42,760 Land $10,540 Building $32,220

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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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