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

Clay County property record for 700 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 832 sqft · built 1953
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,586 (Jan 2022)
Tax Bill	$1,666 (2025)
Deeds & Mortgages	Jan 2022 Foreclosure Mar 2020 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607426001`

Property Details

APN / Parcel Number

Primary APN	`963607426001`
Alternative APN	`64096360742600100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
Basement Area	832 sqft
Unfinished Basement	832 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
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	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	700 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4939
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 3 2ND COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3044
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	2 Individual Names on Record
Mailing Address	3520 160TH AVE, EVERLY, IA 51338-7507
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Quit Claim Deed, Foreclosure · Conventional Mortgage IOWA STATE BANK
Mar 25, 2020	Sheriff's Deed, Foreclosure
Jul 24, 2006	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2022 · Amount on Record
Deed Sale	Jan 24, 2022 · Amount on Record
Prior Sale	Mar 25, 2020 · Amount on Record
Deed Document Number	2022207
Deed Book / Page	2022 / 207
Prior Transfer Date	Jan 12, 2022
Prior Transfer Doc	002022/207
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Jan 24, 2022
Property Address	700 E 11TH ST, SPENCER, IA 51301-4939
Document Number	002022/207
Book / Page	2022 / 207
Instrument Date	Jan 12, 2022
Instrument	2022 0207
Transaction Type	Foreclosure
Record Updated	Oct 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 160TH AVE, EVERLY, IA 51338-7507

Mortgage

Document Number	002022/208
Date	Jan 24, 2022
Book Page	2022/208
Instrument	2022 0208

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 20, 2052

Interest

Rate Type	Adjustable Rate

March 2020: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IA
Recording Date	Mar 25, 2020
Property Address	700 E 11TH ST, SPENCER, IA 51301-4939
Document Number	2020/751
Book / Page	2020 / 751
Instrument Date	Mar 11, 2020
Instrument	751
Transaction Type	Foreclosure
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 24, 2006
Property Address	700 E 11TH ST, SPENCER, IA 51301-4939
Document Number	02006/2336
Book / Page	2006 / 2336
Instrument Date	Jul 21, 2006
Instrument	2006 2336
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 E 11TH ST, SPENCER, IA 51301-4939

Mortgage

Document Number	0020062337
Date	Jul 24, 2006
Instrument	2006 2337

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jul 24, 2039

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	$1,666.00 (+8.89%)	$108,760 (+13.73%) Land $20,000 Building $88,760	$108,760 (+13.73%) Land $20,000 Building $88,760
2024	$1,530.00 (+5.52%)
2023		$95,630 (+16.17%) Land $14,000 Building $81,630	$95,630 (+16.17%) Land $14,000 Building $81,630
2022	$1,450.00	$82,320 Land $14,000 Building $68,320
2021			$82,320 Land $14,000 Building $68,320

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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