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

Clay County property record for 602 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1940
Lot Size	0.196 acres (8,520 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2025)
Tax Bill	$2,460 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607408001`

Property Details

APN / Parcel Number

Primary APN	`963607408001`
Alternative APN	`64096360740800100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	776 sqft
Basement Area	776 sqft
Finished Basement	750 sqft
Unfinished Basement	776 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,520 sqft (0.196 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	602 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 10' 5 10 COLLEGE 6 10 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	3054
Census Tract	80200

Owner

Source: Clay County records, as of January 15, 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	602 E 10TH ST, SPENCER, IA 51301-4818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Dec 31, 2025	Warranty Deed, Transfer · Conventional Mortgage LIBERTY NATIONAL BANK
May 24, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	Jun 27, 2006 · Amount on Record
Deed Document Number	20253084
Deed Book / Page	2025 / 3084
Prior Transfer Date	May 17, 2024
Prior Transfer Doc	02024/1001
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	602 E 10TH ST, SPENCER, IA 51301-4818
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3585
Date	Nov 16, 2021
Book Page	2021/3585
Instrument	2021 3585

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 31, 2025
Property Address	602 E 10TH ST, SPENCER, IA 51301-4818
Document Number	02025/3084
Book / Page	2025 / 3084
Instrument Date	Dec 29, 2025
Instrument	2025 3084
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E 10TH ST, SPENCER, IA 51301-4818

Mortgage

Document Number	0020253085
Date	Dec 31, 2025
Instrument	2025 3085

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	May 24, 2024
Property Address	602 E 10TH ST, SPENCER, IA 51301-4818
Document Number	02024/1001
Book / Page	2024 / 1001
Instrument Date	May 17, 2024
Instrument	2024 1001
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E 10TH ST, SPENCER, IA 51301-4818

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	$2,460.00 Homeowner's exemption	$179,880 (-6.3%) Land $24,000 Building $155,880	$179,880 (-6.3%) Land $24,000 Building $155,880
2024	$2,460.00 (-8.41%)
2023		$191,970 (+18.96%) Land $16,800 Building $175,170	$191,970 (+18.96%) Land $16,800 Building $175,170
2022	$2,686.00 Homeowner's exemption	$161,380 Land $16,800 Building $144,580
2021			$161,380 Land $16,800 Building $144,580

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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