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

Clay County property record for 615 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 840 sqft · built 1945
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Jan 2023)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607412009`

Property Details

APN / Parcel Number

Primary APN	`963607412009`
Alternative APN	`64096360741200900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
Basement Area	630 sqft
Finished Basement	144 sqft
Unfinished Basement	486 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel 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	336 sqft
Parking Spaces	1 Parking Space
Patio Area	339 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	615 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 11 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	3061
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 8TH ST, SPENCER, IA 51301-4811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Oct 5, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 27, 2020	Deed, Transfer · Stand-Alone Refinance IOWA STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	202365
Deed Book / Page	2023 / 65
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 17, 2023
Property Address	615 E 8TH ST, SPENCER, IA 51301-4811
Document Number	0002023/65
Book / Page	2023 / 65
Instrument Date	Dec 14, 2022
Instrument	2023 65
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
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 8TH ST, SPENCER, IA 51301-4811

Mortgage

Document Number	0002023/66
Date	Jan 17, 2023
Book Page	2023/66
Instrument	2023 66

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 5, 2020
Property Address	615 E 8TH ST, SPENCER, IA 51301-4811
Document Number	02020/3040
Book / Page	2020 / 3040
Instrument Date	Sep 24, 2020
Instrument	2020 3040
Transaction Type	Transfer
Record Updated	Feb 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 8TH ST, SPENCER, IA 51301-4811

Mortgage

Document Number	2020304120203041
Date	Oct 5, 2020
Instrument	2020 304120203041

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Mar 27, 2020
Property Address	615 E 8TH ST, SPENCER, IA 51301-4811
Document Number	002020/784
Book / Page	2020 / 784
Instrument Date	Mar 23, 2020
Instrument	784
Transaction Type	Transfer
Record Updated	Feb 15, 2023

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
Address	2051 358TH ST, SPENCER, IA 51301-7539

Mortgage

Document Number	002020/806
Date	Apr 1, 2020
Book Page	2020/806
Instrument	806

Lender

Name	IOWA STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$2,138.00 (+2%) Homeowner's exemption	$150,480 (+6.62%) Land $17,500 Building $132,980	$150,480 (+6.62%) Land $17,500 Building $132,980
2024	$2,096.00 (+1.95%)
2023		$141,140 (+20.93%) Land $13,500 Building $127,640	$141,140 (+20.93%) Land $13,500 Building $127,640
2022	$2,056.00	$116,710 Land $13,500 Building $103,210
2021			$116,710 Land $13,500 Building $103,210

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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