Clay County property record for 611 E 10th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 425 sqft · built 1920 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Company Name on File |
| Last Sale | $22,500 (Mar 2014) |
| Tax Bill | $610 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607404007 |
| Primary APN | 963607404007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 425 sqft Living Area |
| Basement Area | 425 sqft |
| Unfinished Basement | 425 sqft |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| 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 | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 150 sqft |
| Cooling System | None |
|---|---|
| Water Source | Commercial |
| Street Address | 611 E 10TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 10 1 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 | 3045 |
| Census Tract | 80200 |
611 E 10th St is owned by a company that bought it in March 2014.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3195 180TH AVE, SPENCER, IA 51301-7506 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2014 · Amount on File |
| Deed Sale | Mar 17, 2014 · Amount on File |
| Deed Document Number | 2014667 |
| Deed Book / Page | 2014 / 667 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 611 E 10TH ST, SPENCER, IA 51301-4819 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/644 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 2021/644 |
| Instrument | 2021 0644 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 611 E 10th St was $610, up 10.5% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $610.00 (+10.51%) | $39,860 Land $15,000 Building $24,860 | $39,860 Land $15,000 Building $24,860 |
| 2024 | $552.00 | ||
| 2023 | $34,470 (+11.7%) Land $10,500 Building $23,970 | $34,470 Land $10,500 Building $23,970 | |
| 2022 | $544.00 | $30,860 Land $10,500 Building $20,360 | |
| 2021 | $30,860 Land $10,500 Building $20,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 611 E 10th St in Zone X, an area of minimal flood risk.
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.
The area around 611 E 10th St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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