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

Clay County property record for 703 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,070 sqft · built 1910
Lot Size	0.094 acres (4,100 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Oct 2020)
Tax Bill	$1,306 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Jul 2020 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`963607435020`

Property Details

APN / Parcel Number

Primary APN	`963607435020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,070 sqft Living Area
1st Floor Area	312 sqft
Basement Area	582 sqft
Unfinished Basement	312 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

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	4,100 sqft (0.094 acres)
Lot Dimensions	82 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	120 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	703 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7 EXC N 60' 10 2ND COLLEGE ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	7
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3079
Census Tract	80200

Owner

Source: Clay County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4065 200TH AVE, SPENCER, IA 51301-7530
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Jul 21, 2020	Deed of Trust, Mortgage · Commercial Mortgage NORTHWEST BANK
Oct 2, 2025	Warranty Deed, Transfer · Line of Credit LEIGHTON STATE BANK
Sep 9, 2025	Intrafamily Transfer, Transfer
Mar 1, 2024	Intrafamily Transfer, Transfer
Sep 16, 2021	Affidavit, Transfer
Oct 23, 2020	Warranty Deed, Transfer
Aug 21, 2020	Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Prior Sale	Aug 21, 2020 · Amount on Record
Deed Document Number	20203258
Deed Book / Page	2020 / 3258
Record Updated	Sep 20, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000371
Date	Feb 15, 2018
Book Page	0000002018/0000000371

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/2149
Date	Jul 21, 2020
Book Page	2020/2149
Instrument	2020 2149

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 2, 2025
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02025/2337
Book / Page	2025 / 2337
Instrument Date	Oct 1, 2025
Instrument	2025 2337
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 JENKINS AVE, GREENVILLE, IA 51343-8003

Mortgage

Document Number	0020252338
Date	Oct 2, 2025
Instrument	2025 2338

Lender

Name	LEIGHTON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 9, 2025
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02025/2135
Book / Page	2025 / 2135
Instrument Date	Sep 9, 2025
Instrument	2025 2135
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	601 E 8TH ST, SPENCER, IA 51301-4811

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Mar 1, 2024
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	002024/356
Book / Page	2024 / 356
Instrument Date	Feb 16, 2024
Instrument	2024 356
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 E 10TH ST, SPENCER, IA 51301-4515

September 2021: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLAY IA
Recording Date	Sep 16, 2021
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02021/2935
Book / Page	2021 / 2935
Instrument Date	Sep 16, 2021
Instrument	2021 2935
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 23, 2020
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02020/3258
Book / Page	2020 / 3258
Instrument Date	Oct 23, 2020
Instrument	2020 3258
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Tax	$79.20
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	501 E 10TH ST, SPENCER, IA 51301-4817

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Aug 21, 2020
Property Address	703 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02020/2528
Book / Page	2020 / 2528
Instrument Date	Aug 10, 2020
Instrument	2020 2528
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.40
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 with Right of Survivorship
Address	1705 E 4TH ST, SPENCER, IA 51301-5133
Investor	Possibly a Property Investor

Mortgage

Document Number	2020252920202529
Date	Aug 21, 2020
Instrument	2020 252920202529

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,306.00	$87,950 (+7.89%) Land $13,650 Building $74,300	$87,950 (+7.89%) Land $13,650 Building $74,300
2024	$1,306.00 (+9.38%)
2023		$81,520 (+20.27%) Land $10,530 Building $70,990	$81,520 (+20.27%) Land $10,530 Building $70,990
2022	$1,194.00	$67,780 Land $10,530 Building $57,250
2021			$67,780 Land $10,530 Building $57,250

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.

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