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

Clay County property record for 711 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,854 sqft · built 1954
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,012 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607281010`

Property Details

APN / Parcel Number

Primary APN	`963607281010`
Alternative APN	`64096360728101000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,854 sqft Living Area
1st Floor Area	904 sqft
Basement Area	1,192 sqft
Unfinished Basement	904 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	140 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	711 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4940
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 140' X 56' 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	711 E 11TH ST, SPENCER, IA 51301-4940
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 18, 2017	Deed of Trust, Mortgage · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	711 E 11TH ST, SPENCER, IA 51301-4940
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3946
Date	Dec 17, 2021
Book Page	2021/3946
Instrument	2021 3946

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jan 1, 2047

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	711 E 11TH ST, SPENCER, IA 51301-4940
Transaction Type	Mortgage
Record Updated	Jan 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 3302
Date	Dec 18, 2017
Book Page	2017/3302
Instrument	3302

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	1-Year CMT
Max Rate	10.1%

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	$2,012.00 (+7.02%) Homeowner's exemption	$156,920 (+10.97%) Land $22,400 Building $134,520	$156,920 (+10.97%) Land $22,400 Building $134,520
2024	$1,880.00 (-3.39%)
2023		$141,410 (+18.51%) Land $15,680 Building $125,730	$141,410 (+18.51%) Land $15,680 Building $125,730
2022	$1,946.00 Homeowner's exemption	$119,320 Land $15,680 Building $103,640
2021			$119,320 Land $15,680 Building $103,640

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	None beyond 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 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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