Clay County property record for 720 E 7th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 616 sqft · built 1900 |
| Lot Size | 0.165 acres (7,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $16,000 (Sep 2016) |
| Tax Bill | $928 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607476005 |
| Primary APN | 963607476005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 616 sqft Living Area |
| 1st Floor Area | 264 sqft |
| Basement Area | 264 sqft |
| Finished Basement | 100 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 7,200 sqft (0.165 acres) |
| Lot Dimensions | 120 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 72 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 68296360747600500 |
|---|---|
| Street Address | 720 E 7TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-4901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | N 120' OF 1 & N 120' OF E 10' 2 15 2ND COLLEGE |
| 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 | 3078 |
| Census Tract | 80200 |
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 | 1610 2ND AVE E, SPENCER, IA 51301-4445 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2016 · Amount on Record |
| Deed Sale | Sep 9, 2016 · Amount on Record |
| Deed Document Number | 0020162595 |
| Deed Book / Page | 2016 / 2595 |
| Record Updated | Jun 8, 2026 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $64,260 (+10.91%) Land $19,950 Building $44,310 | $64,260 (+10.91%) Land $19,950 Building $44,310 | |
| 2024 | $928.00 (+5.45%) | ||
| 2023 | $57,940 (+15.93%) Land $15,390 Building $42,550 | $57,940 (+15.93%) Land $15,390 Building $42,550 | |
| 2022 | $880.00 | $49,980 Land $15,390 Building $34,590 | |
| 2021 | $49,980 Land $15,390 Building $34,590 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
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