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

Clay County property record for 721 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,229 sqft · built 1910
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$75,500 (Nov 2017)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607432010`

Property Details

APN / Parcel Number

Primary APN	`963607432010`
Alternative APN	`64096360743201000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,229 sqft Living Area
1st Floor Area	384 sqft
Basement Area	960 sqft
Finished Basement	475 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	72 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	721 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 72' OF E 1/2 11 9 2ND COLLEGE S 72' 12 9 2ND COLL
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	721 E 8TH ST, SPENCER, IA 51301-4912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Nov 16, 2017	Special Warranty Deed, Transfer
Mar 22, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2017 · Amount on Record
Deed Sale	Nov 16, 2017 · Amount on Record
Prior Sale	Mar 22, 2017
Deed Document Number	20172996
Deed Book / Page	2017 / 2996
Prior Transfer Date	Feb 29, 2008
Prior Transfer Doc	02008/0600
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	721 E 8TH ST, SPENCER, IA 51301-4912
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/3122
Date	Nov 30, 2017
Book Page	2017/3122
Instrument	3122

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

November 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 16, 2017
Property Address	721 E 8TH ST, SPENCER, IA 51301-4912
Document Number	02017/2996
Book / Page	2017 / 2996
Instrument Date	Sep 13, 2017
Instrument	2017 2996
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4801 FREDERICA ST, 4801, OWENSBORO, KY 42301-7441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 E 8TH ST, SPENCER, IA 51301-4912

March 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IA
Recording Date	Mar 22, 2017
Property Address	721 E 8TH ST, SPENCER, IA 51301-4912
Document Number	02017/0680
Book / Page	2017 / 0680
Instrument Date	Mar 15, 2017
Instrument	2017 0680
Transaction Type	Foreclosure
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

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	$2,840.00 (+2.38%)	$185,500 (+7.07%) Land $18,640 Building $166,860	$185,500 (+7.07%) Land $18,640 Building $166,860
2024	$2,774.00 (+9.99%)
2023		$173,250 (+21.01%) Land $14,380 Building $158,870	$173,250 (+21.01%) Land $14,380 Building $158,870
2022	$2,522.00	$143,170 Land $14,380 Building $128,790
2021			$143,170 Land $14,380 Building $128,790

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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