719 E 7th St, Spencer, IA 51301 Property Records

Clay County property record for 719 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 778 sqft · built 1920
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$56,500 (Jun 2020)
Tax Bill	$714 (2024)
Deeds & Mortgages	Mar 2015 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607435017`

Property Details

APN / Parcel Number

Primary APN	`963607435017`
Alternative APN	`64096360743501700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	778 sqft Living Area
1st Floor Area	576 sqft
Attic Area	202 sqft
Basement Area	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	4,000 sqft (0.091 acres)
Porch	Enclosed Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743501700
Street Address	719 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	S 82' OF 11 10 2ND COLLEGE EXC E 5' OF N 20'
Legal Range	36
Legal Township	17
Legal Section	07
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 29, 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	719 E 7TH ST, SPENCER, IA 51301-4902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2015	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 9, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Nov 5, 2008	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Nov 5, 2008
Deed Document Number	2020 1567
Deed Book / Page	2020 / 1567
Record Updated	Jun 8, 2026

March 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	719 E 7TH ST, SPENCER, IA 51301-4902
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02015/0500
Date	Mar 6, 2015
Book Page	2015/0500
Instrument	2015 0580

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 9, 2020
Property Address	719 E 7TH ST, SPENCER, IA 51301-4902
Document Number	2020/1567
Book / Page	2020 / 1567
Instrument Date	May 28, 2020
Instrument	2020 1567
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.60
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	719 E 7TH ST, SPENCER, IA 51301-4902

Mortgage

Document Number	2020156820201568
Date	Jun 9, 2020
Instrument	2020 156820201568

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 5, 2008
Property Address	719 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02008/3220
Book / Page	2008 / 3220
Instrument Date	Nov 3, 2008
Instrument	2008 3220
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	719 E 7TH ST, SPENCER, IA 51301-4902

Mortgage

Document Number	0020083221
Date	Nov 5, 2008
Instrument	2008 3221

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2038

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$57,520 (+5%) Land $13,410 Building $44,110	$57,520 (+5%) Land $13,410 Building $44,110
2024	$714.00 (+5.93%)
2023		$54,780 (+16.33%) Land $10,340 Building $44,440	$54,780 (+16.33%) Land $10,340 Building $44,440
2022	$674.00 Homeowner's exemption	$47,090 Land $10,340 Building $36,750
2021			$47,090 Land $10,340 Building $36,750

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	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 371 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures