705 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 705 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,370 sqft · built 1920
Lot Size	0.387 acres (16,870 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Jun 2017)
Tax Bill	$2,116 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jun 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607281009`

Property Details

APN / Parcel Number

Primary APN	`963607281009`
Alternative APN	`64096360728100900`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	1,094 sqft
Basement Area	1,094 sqft
Finished Basement	900 sqft
Unfinished Basement	1,094 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,870 sqft (0.387 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Deck Area	239 sqft
Patio Area	239 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	705 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W SE NE 7-96-36 L & I
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
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	705 E 11TH ST, SPENCER, IA 51301-4940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Jun 8, 2017	Deed, Transfer
Jun 8, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2017 · Amount on Record
Deed Sale	Jun 8, 2017 · Amount on Record
Prior Sale	Jun 8, 2017 · Amount on Record
Deed Document Number	20171491
Deed Book / Page	2017 / 1491
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	705 E 11TH ST, SPENCER, IA 51301-4940
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002443
Date	Sep 18, 2018
Book Page	0000002018/0000002443
Instrument	000000002443

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2017
Property Address	705 E 11TH ST, SPENCER, IA 51301-4940
Document Number	02017/1490
Book / Page	2017 / 1490
Map Reference	PL 2002 PG 3592
Instrument Date	May 26, 2017
Instrument	2017 1490
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$47.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E 11TH ST, SPENCER, IA 51301-4940

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2017
Property Address	705 E 11TH ST, SPENCER, IA 51301-4940
Document Number	02017/1491
Book / Page	2017 / 1491
Instrument Date	May 23, 2017
Instrument	2017 1491
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$47.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 E 11TH ST, SPENCER, IA 51301-4940

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	$2,116.00 (+7.85%) Homeowner's exemption	$149,010 (+12.26%) Land $43,310 Building $105,700	$149,010 (+12.26%) Land $43,310 Building $105,700
2024	$1,962.00 (+3.15%)
2023		$132,740 (+13.56%) Land $30,310 Building $102,430	$132,740 (+13.56%) Land $30,310 Building $102,430
2022	$1,902.00 Homeowner's exemption	$116,890 Land $30,310 Building $86,580
2021			$116,890 Land $30,310 Building $86,580

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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