617 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 617 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 661 sqft · built 1930
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Sep 2026)
Tax Bill	$156 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Oct 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607404008`

Property Details

APN / Parcel Number

Primary APN	`963607404008`
Alternative APN	`64096360740400800`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	661 sqft Living Area
1st Floor Area	456 sqft
Attic	Attic
Attic Area	205 sqft
Basement Area	456 sqft
Unfinished Basement	456 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Porch	Porch
Porch Area	57 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	617 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 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

Owner

Source: Clay County records, as of October 16, 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	617 E 10TH ST, SPENCER, IA 51301-4819
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Warranty Deed, Transfer · Conventional Mortgage HABITAT FOR HUMANITY
Oct 8, 2009	Deed of Trust, Mortgage · USDA Mortgage USDA
Nov 26, 2025	Deed of Trust, Mortgage · Construction Mortgage NORTHWEST BANK
May 24, 2023	Public Action, Foreclosure
May 30, 2023	Public Action, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2026 · Amount on Record
Deed Sale	Sep 8, 2026 · Amount on Record
Prior Sale	May 24, 2023
Deed Document Number	20262229
Deed Book / Page	2026 / 2229
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 8, 2026
Property Address	617 E 10TH ST, SPENCER, IA 51301-4819
Document Number	0000002229
Book / Page	2026 / 2229
Instrument Date	Sep 4, 2026
Instrument	20262229
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	617 E 10TH ST, SPENCER, IA 51301-4819

Mortgage

Document Number	0000002230,
Date	Sep 8, 2026
Book Page	2026/2230
Instrument	20262230

Lender

Name	HABITAT FOR HUMANITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000002231,
Date	Sep 8, 2026
Book Page	2026/2231
Instrument	20262231

Lender

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	617 E 10TH ST, SPENCER, IA 51301-4819
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/3286
Date	Oct 8, 2009
Book Page	2009/3286
Instrument	2009 3286

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 7, 2029

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	617 E 10TH ST, SPENCER, IA 51301-4819
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 754, SPIRIT LAKE, IA 51360-0754

Mortgage

Document Number	02025/2804
Date	Nov 26, 2025
Book Page	2025/2804
Instrument	2025 2804

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2023: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CLAY IA
Recording Date	May 24, 2023
Property Address	617 E 10TH ST, SPENCER, IA 51301-4819
Document Number	002023/997
Book / Page	2023 / 997
Instrument Date	May 24, 2023
Instrument	2023 997
Transaction Type	Foreclosure
Record Updated	Jun 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 247, PETERSON, IA 51047-0247

May 2023: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	CLAY IA
Recording Date	May 30, 2023
Property Address	617 E 10TH ST, SPENCER, IA 51301-4819
Document Number	02023/1023
Book / Page	2023 / 1023
Instrument Date	May 24, 2023
Instrument	2023 1023
Transaction Type	Foreclosure
Record Updated	Jun 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 W 5TH ST, SPENCER, IA 51301-3821

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	$156.00	$14,000 (-61.81%) Land $14,000	$14,000 (-61.81%) Land $14,000
2024	$156.00 (-72.92%)
2023		$36,660 (+12.21%) Land $10,500 Building $26,160	$36,660 (+12.21%) Land $10,500 Building $26,160
2022	$576.00 (+1.77%)	$32,670 Land $10,500 Building $22,170
2021	$566.00		$32,670 Land $10,500 Building $22,170

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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