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

Clay County property record for 612 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,089 sqft · built 1900
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Oct 2024)
Tax Bill	$2,476 (2025)
Deeds & Mortgages	Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607416004`

Property Details

APN / Parcel Number

Primary APN	`963607416004`
Alternative APN	`64096360741600400`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,089 sqft Living Area
1st Floor Area	672 sqft
Attic	Attic
Attic Area	302 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
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	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Deck Area	240 sqft
Patio Area	62 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	612 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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	2 Individual Names on Record
Mailing Address	612 E 8TH ST, SPENCER, IA 51301-4810
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Prior Sale	Dec 4, 2018 · Amount on Record
Deed Document Number	20242341
Deed Book / Page	2024 / 2341
Record Updated	Oct 29, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 4, 2018
Property Address	612 E 8TH ST, SPENCER, IA 51301-4810
Document Number	2018/3122
Book / Page	2018 / 3122
Instrument Date	Nov 29, 2018
Instrument	2018-3122
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 E 8TH ST, SPENCER, IA 51301-4810

Mortgage

Document Number	02018/3123
Date	Dec 4, 2018
Book Page	2018/3123
Instrument	3123

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

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	$2,476.00 (+1.98%)	$161,660 (+6.61%) Land $17,500 Building $144,160	$161,660 (+6.61%) Land $17,500 Building $144,160
2024	$2,428.00 (+9.67%)
2023		$151,640 (+20.68%) Land $13,500 Building $138,140	$151,640 (+20.68%) Land $13,500 Building $138,140
2022	$2,214.00	$125,650 Land $13,500 Building $112,150
2021			$125,650 Land $13,500 Building $112,150

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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