615 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 615 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 2000
Lot Size	0.417 acres (18,174 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2024)
Tax Bill	$2,606 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607276025`

Property Details

APN / Parcel Number

Primary APN	`963607276025`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,174 sqft (0.417 acres)
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Patio Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	615 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4827
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MCHUGH'S FIRST ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	MCHUGH'S 1ST
Legal Lot Number	2
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
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	615 E 11TH ST, SPENCER, IA 51301-4827
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2024	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
May 31, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
May 31, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2024 · Amount on Record
Deed Sale	Mar 19, 2024 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	2024485
Prior Transfer Date	Mar 7, 2007
Prior Transfer Doc	02007/0917
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 19, 2024
Property Address	615 E 11TH ST, SPENCER, IA 51301-4827
Document Number	002024/485
Book / Page	2024 / 485
Instrument Date	Mar 13, 2024
Instrument	2024 485
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 11TH ST, SPENCER, IA 51301-4827
Investor	Possibly a Property Investor

Mortgage

Document Number	0002024486
Date	Mar 19, 2024
Instrument	2024 486

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	615 E 11TH ST, SPENCER, IA 51301-4827
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001419
Date	May 31, 2018
Book Page	0000002018/0000001419
Instrument	000000001419

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	615 E 11TH ST, SPENCER, IA 51301-4827
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3201
Date	Dec 2, 2019
Book Page	2019/3201
Instrument	3201

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2021

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 31, 2018
Property Address	615 E 11TH ST, SPENCER, IA 51301-4827
Document Number	02018/1418
Book / Page	2018 / 1418
Instrument Date	May 22, 2018
Instrument	000000001418
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	615 E 11TH ST, SPENCER, IA 51301-4827

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	$2,606.00 (+8.67%)	$170,160 (+13.62%) Land $37,450 Building $132,710	$170,160 (+13.62%) Land $37,450 Building $132,710
2024	$2,398.00 (+13.01%)
2023		$149,760 (+15.84%) Land $26,220 Building $123,540	$149,760 (+15.84%) Land $26,220 Building $123,540
2022	$2,122.00 Homeowner's exemption	$129,280 Land $26,220 Building $103,060
2021			$129,280 Land $26,220 Building $103,060

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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