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

Clay County property record for 704 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 803 sqft · built 1935
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on Record
Tax Bill	$804 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607476002`

Property Details

APN / Parcel Number

Primary APN	`963607476002`
Alternative APN	`68296360747600200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	803 sqft Living Area
1st Floor Area	707 sqft
Basement Area	707 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1935
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Patio Area	280 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68296360747600200
Street Address	704 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	N 120' OF W 20' OF 4 & N 120' OF E 40' 5 15 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	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
Co-owner	Co-owner on Record
Mailing Address	704 E 7TH ST, SPENCER, IA 51301-4901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 20, 2009
Transfer Doc	2009/0210
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jul 29, 2026
Property Address	704 E 7TH ST, SPENCER, IA 51301-4901
Document Number	0000001849
Book / Page	2026 / 1849
Instrument Date	Jul 23, 2026
Instrument	20261849
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E 7TH ST, SPENCER, IA 51301-4901

Mortgage

Document Number	0000001849,
Date	Jul 29, 2026
Book Page	2026/1849
Instrument	20261849

Lender

Name	NORTHWEST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 28, 2031

Interest

Rate	6.49%
Max Rate	-1%

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		$86,430 (+4.7%) Land $19,950 Building $66,480	$86,430 (+4.7%) Land $19,950 Building $66,480
2024	$804.00 (-14.65%)
2023		$82,550 (+25.65%) Land $15,390 Building $67,160	$82,550 (+25.65%) Land $15,390 Building $67,160
2022	$942.00 Homeowner's exemption	$65,700 Land $15,390 Building $50,310
2021			$65,700 Land $15,390 Building $50,310

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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