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

Clay County property record for 702 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 1910
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Apr 2026)
Tax Bill	$2,020 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2005 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607435001`

Property Details

APN / Parcel Number

Primary APN	`963607435001`
Alternative APN	`64096360743500100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	484 sqft
Basement Area	242 sqft
Unfinished Basement	242 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Vinyl
Construction Type	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	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	274 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	702 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 10 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	3079
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	702 E 8TH ST, SPENCER, IA 51301-4911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK
May 6, 2005	Deed of Trust, Mortgage THE STATE OF IOWA
Apr 30, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Oct 30, 2020	Intrafamily Transfer, Transfer
Mar 28, 2014	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Oct 24, 2011	Legal Action/Court Order, Foreclosure · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2026 · Amount on Record
Deed Sale	Apr 30, 2026 · Amount on Record
Prior Sale	Mar 28, 2014 · Amount on Record
Deed Document Number	20261028
Deed Book / Page	2026 / 1028
Prior Transfer Date	Oct 26, 2020
Prior Transfer Doc	2020/3365
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3366
Date	Oct 30, 2020
Book Page	2020/3366
Instrument	2020 3366

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/1521
Date	May 6, 2005
Book Page	2005/1521
Instrument	2005 1521

Lender

Name	THE STATE OF IOWA
Address	SIOUX CITY, IA 51103

Agreement

Amount	Amount Recorded
Term	84 Months
Due	May 6, 2012

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 30, 2026
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02026/1028
Book / Page	2026 / 1028
Instrument Date	Apr 22, 2026
Instrument	2026.1028
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$26,098.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	702 E 8TH ST, SPENCER, IA 51301-4911

Mortgage

Document Number	0000001029,
Date	Apr 30, 2026
Instrument	2026..1029

Lender

Name	NORTHWEST BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Oct 30, 2020
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02020/3365
Book / Page	2020 / 3365
Instrument Date	Oct 26, 2020
Instrument	2020 3365
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	702 E 8TH ST, SPENCER, IA 51301-4911

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	702 E 8TH ST, SPENCER, IA 51301-4911

March 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 28, 2014
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02014/0762
Book / Page	2014 / 0762
Instrument Date	Mar 27, 2014
Instrument	2014 0762
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 E 8TH ST, SPENCER, IA 51301-4911

Mortgage

Document Number	0020140763
Date	Mar 28, 2014
Instrument	2014 0763

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2044

October 2011: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 24, 2011
Property Address	702 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02011/2820
Book / Page	2011 / 2820
Instrument Date	Oct 21, 2011
Instrument	2011 2820
Transaction Type	Foreclosure
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$39.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3115 210TH AVE, SPENCER, IA 51301-7534
Investor	Possibly a Property Investor

Mortgage

Document Number	0020112821
Date	Oct 24, 2011
Instrument	2011 2821

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2026

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 1, 2014
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	1-Year CMT
Max Rate	11.3%

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	$2,020.00 (+1%) Homeowner's exemption	$142,830 (+8.25%) Land $17,500 Building $125,330	$142,830 (+8.25%) Land $17,500 Building $125,330
2024	$2,000.00 (+13.12%)
2023		$131,950 (+20.83%) Land $13,500 Building $118,450	$131,950 (+20.83%) Land $13,500 Building $118,450
2022	$1,768.00 Homeowner's exemption	$109,200 Land $13,500 Building $95,700
2021			$109,200 Land $13,500 Building $95,700

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 99.8% of the US · lower than 98.1% 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 231 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: GigFire, Nextlink, Verizon.

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