614 W 7th St, Spencer, IA 51301 Property Records

Clay County property record for 614 W 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 720 sqft · built 1953
Lot Size	0.188 acres (8,180 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Oct 2021)
Tax Bill	$1,504 (2025)
Deeds & Mortgages	Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`963712479003`

Property Details

APN / Parcel Number

Primary APN	`963712479003`
Alternative APN	`64096371247900300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
Basement Area	720 sqft
Finished Basement	350 sqft
Unfinished Basement	720 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,180 sqft (0.188 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	614 W 7TH ST
City	SPENCER
State	IA
Zip	51301-3213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 2 CITY'S SUB
Legal Range	37W
Legal Township	96N
Legal Section	12
Legal Subdivision	CITY'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1015
Census Tract	80301

Owner

614 W 7th St is owned and occupied by an individual who bought it in October 2021.

Source: Clay County records, as of September 3, 2026

Owner of Record	Individual Name on File
Mailing Address	614 W 7TH ST, SPENCER, IA 51301-3213
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2021 · Amount on File
Deed Sale	Oct 29, 2021 · Amount on File
Deed Document Number	20213385
Deed Book / Page	2021 / 3385
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 29, 2021
Property Address	614 W 7TH ST, SPENCER, IA 51301-3213
Document Number	02021/3385
Book / Page	2021 / 3385
Instrument Date	Oct 29, 2021
Instrument	2021 3385
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 W 7TH ST, SPENCER, IA 51301-3213

Tax Assessment & Valuation

The 2025 property tax bill for 614 W 7th St was $1,504 with a homeowner's exemption, down 7.7% from the year before.

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	$1,504.00 (-7.67%) Homeowner's exemption	$109,090 Land $20,150 Building $88,940	$109,090 Land $20,150 Building $88,940
2024	$1,629.00
2023		$97,640 (+22.86%) Land $15,540 Building $82,100	$97,640 Land $15,540 Building $82,100
2022	$1,647.00 Homeowner's exemption	$79,470 Land $15,540 Building $63,930
2021			$79,470 Land $15,540 Building $63,930

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 614 W 7th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 614 W 7th St is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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 349 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: GigFire, Nextlink, Verizon.

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