711 E 15th St, Spencer, IA 51301 Property Records

Clay County property record for 711 E 15th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,596 sqft · built 1961
Lot Size	0.255 acres (11,120 sqft)
Owner	Individual Name on Record
Last Sale	$81,500 (Apr 2007)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Aug 2012 Mortgage Mar 2016 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607229009`

Property Details

APN / Parcel Number

Primary APN	`963607229009`
Alternative APN	`64096360722900900`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	525 sqft
Unfinished Basement	912 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,120 sqft (0.255 acres)
Lot Dimensions	139 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	384 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	711 E 15TH ST
City	SPENCER
State	IA
Zip	51301-4615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 2 FAIRVIEW PARK
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW PARK ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3023
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	Individual Name on Record
Mailing Address	711 E 15TH ST, SPENCER, IA 51301-4615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2012	Deed of Trust, Mortgage · Conventional Mortgage PREMIER LENDING ALLIANCE
Mar 15, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Oct 29, 2012	Deed of Trust, Mortgage · Conventional Mortgage TELCO TRIAD COMMUNITY CU
Apr 11, 2007	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2007 · Amount on Record
Deed Sale	Apr 11, 2007 · Amount on Record
Deed Document Number	20071030
Deed Book / Page	2007 / 1030
Last Transfer Date	Feb 11, 2016
Transfer Doc	2016/0402
Record Updated	Oct 29, 2026

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	711 E 15TH ST, SPENCER, IA 51301-4615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2572
Date	Aug 29, 2012
Book Page	2012/2572
Instrument	2012 2572

Lender

Name	PREMIER LENDING ALLIANCE
Address	CLIVE, IA 50325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2042

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	711 E 15TH ST, SPENCER, IA 51301-4615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	002016/591
Date	Mar 15, 2016
Book Page	2016/591
Instrument	2016 0591

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2046

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	711 E 15TH ST, SPENCER, IA 51301-4615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/3337
Date	Oct 29, 2012
Book Page	2012/3337
Instrument	2012 3337

Lender

Name	TELCO TRIAD COMMUNITY CU
Address	SIOUX CITY, IA 51103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2022

April 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 11, 2007
Property Address	711 E 15TH ST, SPENCER, IA 51301-4615
Document Number	02007/1030
Book / Page	2007 / 1030
Instrument Date	Apr 9, 2007
Instrument	2007 1030
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	711 E 15TH ST, SPENCER, IA 51301-4615
Investor	Possibly a Property Investor

Mortgage

Document Number	0020071031
Date	Apr 11, 2007
Instrument	2007 1031

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Apr 10, 2040

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	$2,526.00 (+4.9%) Homeowner's exemption	$175,870 (+9.51%) Land $32,000 Building $143,870	$175,870 (+9.51%) Land $32,000 Building $143,870
2024	$2,408.00 (+6.45%)
2023		$160,600 (+16.99%) Land $25,600 Building $135,000	$160,600 (+16.99%) Land $25,600 Building $135,000
2022	$2,262.00 Homeowner's exemption	$137,280 Land $25,600 Building $111,680
2021			$137,280 Land $25,600 Building $111,680

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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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