801 E 11th St, Spencer, IA 51301 Property Records

Clay County property record for 801 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,122 sqft · built 1947
Lot Size	0.204 acres (8,880 sqft)
Owner	Individual Name on Record
Last Sale	$126,500 (Dec 2020)
Tax Bill	$2,318 (2025)
Deeds & Mortgages	May 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607281014`

Property Details

APN / Parcel Number

Primary APN	`963607281014`
Alternative APN	`64096360728101400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	660 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	8,880 sqft (0.204 acres)
Lot Dimensions	148 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	1,020 sqft
Parking Spaces	4 Parking Spaces
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	801 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W SE NE 7-96-36 L & I
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
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	801 E 11TH ST, SPENCER, IA 51301-4942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 5, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 22, 2020	Warranty Deed, Transfer · VA Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2020 · Amount on Record
Deed Sale	Dec 22, 2020 · Amount on Record
Deed Document Number	20204075
Deed Book / Page	2020 / 4075
Prior Transfer Date	Nov 25, 2020
Prior Transfer Doc	02020/4076
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	May 26, 2026
Property Address	801 E 11TH ST, SPENCER, IA 51301-4942
Document Number	0000001236
Book / Page	2026 / 1236
Instrument Date	May 19, 2026
Instrument	20261236
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E 11TH ST, SPENCER, IA 51301-4942
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001236,
Date	May 26, 2026
Book Page	2026/1236
Instrument	20261236

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	801 E 11TH ST, SPENCER, IA 51301-4942
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1077
Date	Jun 5, 2023
Book Page	2023/1077
Instrument	2023 1077

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 22, 2020
Property Address	801 E 11TH ST, SPENCER, IA 51301-4942
Document Number	02020/4075
Book / Page	2020 / 4075
Instrument Date	Nov 25, 2020
Instrument	2020 4075
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$201.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 E 11TH ST, SPENCER, IA 51301-4942

Mortgage

Document Number	02020/4076
Date	Dec 22, 2020
Book Page	2020/4076
Instrument	2020 4076

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

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	$2,318.00 (+7.22%)	$160,360 (+11.8%) Land $24,480 Building $135,880	$160,360 (+11.8%) Land $24,480 Building $135,880
2024	$2,162.00 (+3.25%)
2023		$143,430 (+17.3%) Land $17,140 Building $126,290	$143,430 (+17.3%) Land $17,140 Building $126,290
2022	$2,094.00	$122,280 Land $17,140 Building $105,140
2021			$122,280 Land $17,140 Building $105,140

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	None beyond ember reach

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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