713 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 713 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 772 sqft · built 1920
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,000 (May 2023)
Tax Bill	$1,572 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607432008`

Property Details

APN / Parcel Number

Primary APN	`963607432008`
Alternative APN	`64096360743200800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	772 sqft Living Area
Basement Area	772 sqft
Unfinished Basement	772 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	128 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	713 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 9 2ND COLLEGE W 1/2 11 9 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	3060
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	713 E 8TH ST, SPENCER, IA 51301-4912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Warranty Deed, Transfer · FHA Mortgage NORTHWEST BANK
Feb 20, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage IOWA STATE SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Prior Sale	Feb 20, 2020 · Amount on Record
Deed Document Number	20231007
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 25, 2023
Property Address	713 E 8TH ST, SPENCER, IA 51301-4912
Document Number	02023/1007
Book / Page	2023 / 1007
Instrument Date	May 17, 2023
Instrument	2023 1007
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	713 E 8TH ST, SPENCER, IA 51301-4912
Investor	Possibly a Property Investor

Mortgage

Document Number	02023/1008
Date	May 25, 2023
Book Page	2023/1008
Instrument	2023 1008

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 20, 2020
Property Address	713 E 8TH ST, SPENCER, IA 51301-4912
Document Number	002020/433
Book / Page	2020 / 433
Instrument Date	Feb 12, 2020
Instrument	433
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	713 E 8TH ST, SPENCER, IA 51301-4912

Mortgage

Document Number	002020/434
Date	Feb 20, 2020
Book Page	2020/434
Instrument	434

Lender

Name	IOWA STATE SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$1,572.00 (+3.01%)	$102,650 (+7.69%) Land $26,250 Building $76,400	$102,650 (+7.69%) Land $26,250 Building $76,400
2024	$1,526.00 (+6.56%)
2023		$95,320 (+5.71%) Land $20,250 Building $75,070	$95,320 (+5.71%) Land $20,250 Building $75,070
2022	$1,432.00 (+4.68%) Homeowner's exemption	$90,170 Land $20,250 Building $69,920
2021	$1,368.00		$90,170 Land $20,250 Building $69,920

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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