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

Clay County property record for 703 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,056 sqft · built 1930
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Apr 2026)
Tax Bill	$2,608 (2025)
Deeds & Mortgages	Apr 2026 Sale & Line of Credit Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607426007`

Property Details

APN / Parcel Number

Primary APN	`963607426007`
Alternative APN	`64096360742600700`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Basement Area	1,056 sqft
Finished Basement	550 sqft
Unfinished Basement	1,056 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	376 sqft
Deck Area	224 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	703 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4926
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 3 2ND COLLEGE W 1/2 8 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	1303 2ND AVE E, SPENCER, IA 51301-4427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · Line of Credit FARMERS SAVINGS BANK
Dec 22, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Deed Document Number	2026887
Deed Book / Page	2026 / 887
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 16, 2026
Property Address	703 E 10TH ST, SPENCER, IA 51301-4926
Document Number	0000000887
Book / Page	2026 / 887
Instrument Date	Apr 15, 2026
Instrument	2026.887
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,927.20
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	1303 2ND AVE E, SPENCER, IA 51301-4427
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000917,
Date	Apr 16, 2026
Instrument	2026..917

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	703 E 10TH ST, SPENCER, IA 51301-4926
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/3007
Date	Dec 22, 2025
Book Page	2025/3007
Instrument	2025 3007

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	6 Months
Due	Jun 22, 2026

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	$2,608.00 (+4.57%) Homeowner's exemption	$181,160 (+9.17%) Land $30,000 Building $151,160	$181,160 (+9.17%) Land $30,000 Building $151,160
2024	$2,494.00 (+6.04%)
2023		$165,950 (+16.55%) Land $21,000 Building $144,950	$165,950 (+16.55%) Land $21,000 Building $144,950
2022	$2,352.00 Homeowner's exemption	$142,380 Land $21,000 Building $121,380
2021			$142,380 Land $21,000 Building $121,380

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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