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

Clay County property record for 725 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 808 sqft · built 1920
Lot Size	0.059 acres (2,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Jan 2020)
Tax Bill	$458 (2024)
Deeds & Mortgages	Aug 2023 Sale Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607435015`

Property Details

APN / Parcel Number

Primary APN	`963607435015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	808 sqft Living Area
1st Floor Area	444 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	2,600 sqft (0.059 acres)
Lot Dimensions	52 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	50 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	725 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 52' 12 10 2ND COLLEGE
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	725 E 7TH ST, SPENCER, IA 51301-4902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Warranty Deed, Transfer
Jan 15, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Jan 15, 2020 · Amount on Record
Deed Document Number	002020/143
Deed Book / Page	2020 / 143
Last Transfer Date	Oct 19, 2023
Transfer Doc	02023/2387
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 14, 2023
Property Address	725 E 7TH ST, SPENCER, IA 51301-4902
Document Number	02023/1733
Book / Page	2023 / 1733
Instrument Date	Aug 11, 2023
Instrument	2023 1733
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 E 7TH ST, SPENCER, IA 51301-4902

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 15, 2020
Property Address	725 E 7TH ST, SPENCER, IA 51301-4902
Document Number	002020/143
Book / Page	2020 / 143
Instrument Date	Jan 13, 2020
Instrument	143
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 COUNTRY CLUB DR, SPENCER, IA 51301-2749

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		$54,600 (+27.96%) Land $9,800 Building $44,800	$54,600 (+27.96%) Land $9,800 Building $44,800
2024	$458.00 (-29.32%)
2023		$42,670 (+15.98%) Land $7,560 Building $35,110	$42,670 (+15.98%) Land $7,560 Building $35,110
2022	$648.00	$36,790 Land $7,560 Building $29,230
2021			$36,790 Land $7,560 Building $29,230

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.

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