604 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 604 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,162 sqft · built 1939
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Apr 2024)
Tax Bill	$2,160 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607416002`

Property Details

APN / Parcel Number

Primary APN	`963607416002`
Alternative APN	`64096360741600200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,162 sqft Living Area
1st Floor Area	861 sqft
Attic	Attic
Attic Area	301 sqft
Basement Area	861 sqft
Finished Basement	225 sqft
Unfinished Basement	861 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	813 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	238 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 20 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	3080
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	604 E 8TH ST, SPENCER, IA 51301-4810
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Nov 3, 2017	Deed of Trust, Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Deed Document Number	2024600
Deed Book / Page	2024 / 600
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	604 E 8TH ST, SPENCER, IA 51301-4810
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/205
Date	Jan 25, 2021
Book Page	2021/205
Instrument	2021 0205

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 22, 2026

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	604 E 8TH ST, SPENCER, IA 51301-4810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/2898
Date	Nov 3, 2017
Book Page	2017/2898
Instrument	2017 2898

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Amount	Amount Recorded
Term	62 Months
Due	Jan 1, 2023

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	$2,160.00 (+1.6%) Homeowner's exemption	$151,910 (+6.24%) Land $17,500 Building $134,410	$151,910 (+6.24%) Land $17,500 Building $134,410
2024	$2,126.00 (+2.11%)
2023		$142,990 (+20.95%) Land $13,500 Building $129,490	$142,990 (+20.95%) Land $13,500 Building $129,490
2022	$2,082.00	$118,220 Land $13,500 Building $104,720
2021			$118,220 Land $13,500 Building $104,720

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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