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

Clay County property record for 716 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 577 sqft · built 1937
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$99,500 (Nov 2025)
Tax Bill	$1,046 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607435005`

Property Details

APN / Parcel Number

Primary APN	`963607435005`
Alternative APN	`64096360743500500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	577 sqft Living Area
Basement Area	577 sqft
Finished Basement	450 sqft
Unfinished Basement	577 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Cape Cod
Exterior Material	Vinyl
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	320 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	121 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	716 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 10 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	3079
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	716 E 8TH ST, SPENCER, IA 51301-4911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Nov 13, 2025	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Jul 27, 2018	Warranty Deed, Subdivision Related Transfer FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	20252671
Deed Book / Page	2025 / 2671
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	716 E 8TH ST, SPENCER, IA 51301-4911
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2001
Date	Aug 25, 2025
Book Page	2025/2001
Instrument	2025 2001

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 13, 2025
Property Address	716 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02025/2671
Book / Page	2025 / 2671
Instrument Date	Nov 10, 2025
Instrument	2025 2671
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 E 8TH ST, SPENCER, IA 51301-4911

Mortgage

Document Number	0020252672
Date	Nov 13, 2025
Instrument	2025 2672

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 27, 2018
Property Address	716 E 8TH ST, SPENCER, IA 51301-4911
Document Number	02018/2015
Book / Page	2018 / 2015
Instrument Date	Jul 20, 2018
Instrument	000000002015
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
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
Address	716 E 8TH ST, SPENCER, IA 51301-4911

Mortgage

Document Number	0000002018/0000002016
Date	Jul 27, 2018
Book Page	0000002018/0000002016
Instrument	000000002016

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

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	$1,046.00 (+3.56%) Homeowner's exemption	$79,240 (+8.03%) Land $17,500 Building $61,740	$79,240 (+8.03%) Land $17,500 Building $61,740
2024	$1,010.00 (+8.14%)
2023		$73,350 (+18.61%) Land $13,500 Building $59,850	$73,350 (+18.61%) Land $13,500 Building $59,850
2022	$934.00 Homeowner's exemption	$61,840 Land $13,500 Building $48,340
2021			$61,840 Land $13,500 Building $48,340

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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