702 E 7th St, Spencer, IA 51301 Property Records

Clay County property record for 702 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,185 sqft · built 1937
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Last Sale	$73,500 (Jan 2018)
Tax Bill	$1,554 (2024)
Deeds & Mortgages	May 2023 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607476001`

Property Details

APN / Parcel Number

Primary APN	`963607476001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,185 sqft Living Area
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	396 sqft
Carport	Carport
Carport Area	242 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	196 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	702 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 120' OF W 10' 5 & N 120' OF 6 15 2ND COLLEGE
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3078
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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	702 E 7TH ST, SPENCER, IA 51301-4901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 24, 2018	Deed of Trust, Mortgage COMMUNITY STATE BANK
Jan 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2018 · Amount on Record
Deed Sale	Jan 24, 2018 · Amount on Record
Prior Sale	Apr 15, 2008 · Amount on Record
Deed Document Number	000000000183
Deed Book / Page	2018 / 183
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	702 E 7TH ST, SPENCER, IA 51301-4901
Transaction Type	Mortgage
Record Updated	Jun 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/830
Date	May 10, 2023
Book Page	2023/830
Instrument	2023 830

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	702 E 7TH ST, SPENCER, IA 51301-4901
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000184
Date	Jan 24, 2018
Book Page	0000002018/0000000184
Instrument	000000000184

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2038

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 24, 2018
Property Address	702 E 7TH ST, SPENCER, IA 51301-4901
Document Number	2018/183
Book / Page	2018 / 183
Instrument Date	Jan 23, 2018
Instrument	000000000183
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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		$115,190 (+7.33%) Land $19,950 Building $95,240	$115,190 (+7.33%) Land $19,950 Building $95,240
2024	$1,554.00 (+113.46%)
2023		$107,320 (+19.71%) Land $15,390 Building $91,930	$107,320 (+19.71%) Land $15,390 Building $91,930
2022	$728.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$89,650 Land $15,390 Building $74,260
2021			$89,650 Land $15,390 Building $74,260

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 371 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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