710 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 710 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 672 sqft · built 1939
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$43,000 (Apr 2017)
Tax Bill	$1,568 (2025)
Deeds & Mortgages	Apr 2017 Sale Apr 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607429003`

Property Details

APN / Parcel Number

Primary APN	`963607429003`
Alternative APN	`64096360742900300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	672 sqft Living Area
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Cape Cod
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	896 sqft
Parking Spaces	4 Parking Spaces
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	710 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4925
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 4 2ND COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3055
Census Tract	80200

Owner

Source: Clay County records, as of December 26, 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	1215 JENKINS AVE, GREENVILLE, IA 51343-8003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2017	Intrafamily Transfer, Transfer
Apr 5, 2017	Warranty Deed, Transfer · Conventional Mortgage LEIGHTON STATE BANK
Apr 5, 2017	Warranty Deed, Transfer
Apr 5, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2017 · Amount on Record
Deed Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	2017834
Deed Book / Page	2017 / 834
Prior Transfer Date	Mar 31, 2017
Prior Transfer Doc	2017/0834
Record Updated	Jun 8, 2026

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Apr 5, 2017
Property Address	710 E 10TH ST, SPENCER, IA 51301-4925
Document Number	2017/834
Book / Page	2017 / 834
Instrument Date	Mar 31, 2017
Instrument	2017 834
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$68.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 JENKINS AVE, GREENVILLE, IA 51343-8003

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 5, 2017
Property Address	710 E 10TH ST, SPENCER, IA 51301-4925
Document Number	2017/0834
Book / Page	2017 / 0834
Instrument Date	Mar 31, 2017
Instrument	2017 0834
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$68.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1218 JENKINS AVE, GREENVILLE, IA 51343-8003

Mortgage

Document Number	02017/0835
Date	Apr 5, 2017
Book Page	2017/0835
Instrument	2017 0835

Lender

Name	LEIGHTON STATE BANK
Type	Bank
Address	FOSTORIA, IA 51340

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 5, 2017
Property Address	710 E 10TH ST, SPENCER, IA 51301-4925
Document Number	02017/0833
Book / Page	2017 / 0833
Instrument Date	Jun 25, 2010
Instrument	2017 0833
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 E 10TH ST, SPENCER, IA 51301-4925

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 5, 2017
Property Address	710 E 10TH ST, SPENCER, IA 51301-4925
Document Number	002017/833
Book / Page	2017 / 833
Instrument Date	Jun 25, 2010
Instrument	2017 833
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 E 10TH ST, SPENCER, IA 51301-4925

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	$1,568.00	$107,980 (+10.28%) Land $20,000 Building $87,980	$107,980 (+10.28%) Land $20,000 Building $87,980
2024	$1,568.00 (+6.81%)
2023		$97,910 (+17.55%) Land $14,000 Building $83,910	$97,910 (+17.55%) Land $14,000 Building $83,910
2022	$1,468.00	$83,290 Land $14,000 Building $69,290
2021			$83,290 Land $14,000 Building $69,290

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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