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

Clay County property record for 703 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,332 sqft · built 1945
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on Record
Last Sale	$22,000 (Jul 2020)
Tax Bill	$4,474 (2024)
Deeds & Mortgages	Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607432006`

Property Details

APN / Parcel Number

Primary APN	`963607432006`
Alternative APN	`64096360743200600`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,332 sqft Living Area
Basement Area	1,332 sqft
Finished Basement	375 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	440 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743200600
Street Address	703 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	7 9 2ND COLLEGE W 1/2 8 9 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3060
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	703 E 8TH ST, SPENCER, IA 51301-4912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Prior Sale	May 20, 2005 · Amount on Record
Deed Document Number	2020 2288
Deed Book / Page	2020 / 2288
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 31, 2020
Property Address	703 E 8TH ST, SPENCER, IA 51301-4912
Document Number	02020/2288
Book / Page	2020 / 2288
Instrument Date	Mar 12, 2015
Instrument	2020 2288
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$34.40
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 E 8TH ST, SPENCER, IA 51301-4912

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		$303,010 (+4.6%) Land $26,250 Building $276,760	$303,010 (+4.6%) Land $26,250 Building $276,760
2024	$4,474.00 (+14.78%)
2023		$289,680 (+25.87%) Land $20,250 Building $269,430	$289,680 (+25.87%) Land $20,250 Building $269,430
2022	$3,898.00 Homeowner's exemption	$230,150 Land $20,250 Building $209,900
2021			$230,150 Land $20,250 Building $209,900

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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