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

Clay County property record for 620 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,936 sqft · built 1942
Lot Size	0.586 acres (25,560 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Oct 2025)
Tax Bill	$2,946 (2024)
Deeds & Mortgages	Jul 2019 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607408010`

Property Details

APN / Parcel Number

Primary APN	`963607408010`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	3 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
1st Floor Area	1,228 sqft
Basement Area	1,228 sqft
Finished Basement	600 sqft
Game Room	Game Room
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	25,560 sqft (0.586 acres)
Lot Dimensions	142 ft deep x 180 ft wide
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	620 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-3 10 COLLEGE E 30' 4 10 COLLEGE
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3054
Census Tract	80200

Owner

Source: Clay County records, as of November 21, 2025

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	620 E 10TH ST, SPENCER, IA 51301-4818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Apr 9, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Oct 31, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Sep 14, 2016 · Amount on Record
Deed Document Number	2025 2576
Deed Book / Page	2025 / 2576
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	620 E 10TH ST, SPENCER, IA 51301-4818
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1659
Date	Jul 1, 2019
Book Page	2019/1659
Instrument	1659

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	620 E 10TH ST, SPENCER, IA 51301-4818
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1104
Date	Apr 9, 2021
Book Page	2021/1104
Instrument	2021 1104

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 31, 2025
Property Address	620 E 10TH ST, SPENCER, IA 51301-4818
Document Number	02025/2576
Book / Page	2025 / 2576
Instrument Date	Oct 23, 2025
Instrument	2025 2576
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 10TH ST, SPENCER, IA 51301-4818

Mortgage

Document Number	0020252577
Date	Oct 31, 2025
Instrument	2025 2577

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$221,870 (+18.81%) Land $64,800 Building $157,070	$221,870 (+18.81%) Land $64,800 Building $157,070
2024	$2,946.00 (-5.49%)
2023		$186,740 (+15.96%) Land $37,800 Building $148,940	$186,740 (+15.96%) Land $37,800 Building $148,940
2022	$3,117.00 Homeowner's exemption	$161,040 Land $37,800 Building $123,240
2021			$161,040 Land $37,800 Building $123,240

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.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures