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

Clay County property record for 708 E 7th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 986 sqft · built 2013
Lot Size0.165 acres (7,200 sqft)
Owner2 Individual Names on Record
Last Sale$16,500 (Aug 2013)
Tax Bill$2,208 (2025)
Deeds & MortgagesMay 2026 Mortgage
Flood ZoneZone X (minimal risk)
APN963607476003

Property Details

APN / Parcel Number

Primary APN963607476003
Alternative APN
  • 68296360747600300

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area986 sqft Living Area
1st Floor Area544 sqft
Basement Area544 sqft
Unfinished Basement544 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,200 sqft (0.165 acres)
Lot Dimensions120 ft deep x 60 ft wide
Garage TypeAttached
Garage Area414 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area15 sqft
Deck Area198 sqft
Patio Area198 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address708 E 7TH ST
CitySPENCER
StateIA
Zip51301-4901
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 120' OF W 30' OF 3 & N 120' OF E 30' 4 15 2ND COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE 2ND ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3078
Census Tract80200

Owner

Source: Clay County records, as of June 17, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address710 4TH ST SW, SPENCER, IA 51301-6220
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 1, 2013 · Amount on Record
Deed SaleAug 1, 2013 · Amount on Record
Deed Document Number20132442
Deed Book / Page2013 / 2442
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Recording DateMay 7, 2026
Property Address708 E 7TH ST, SPENCER, IA 51301-4901
Document Number0000001118
Book / Page2026 / 1118
Instrument DateMay 6, 2026
Instrument20261118
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants, 205
Address710 4TH ST SW, SPENCER, IA 51301-6220

Mortgage

Document Number0000001118,
DateMay 7, 2026
Book Page2026/1118
Instrument20261118
Lender
NameSTATE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueMay 1, 2031
Interest
Rate6.37%
Max Rate-1%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,208.00$146,550 (+6.23%) Land $19,950 Building $126,600$146,550 (+6.23%) Land $19,950 Building $126,600
2024$2,208.00 (+8.88%)
2023$137,950 (+19.85%) Land $15,390 Building $122,560$137,950 (+19.85%) Land $15,390 Building $122,560
2022$2,028.00$115,100 Land $15,390 Building $99,710
2021$115,100 Land $15,390 Building $99,710

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 97% of the US · lower than 76% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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