805 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 805 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 774 sqft · built 1872
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Aug 2022)
Tax Bill	$980 (2024)
Deeds & Mortgages	Mar 2006 Second Mortgage Jan 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607427006`

Property Details

APN / Parcel Number

Primary APN	`963607427006`
Alternative APN	`64096360742700600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	774 sqft Living Area
1st Floor Area	192 sqft
Attic Area	67 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1872
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Patio Area	114 sqft

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360742700600
Street Address	805 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	8 2 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	8
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3043
Census Tract	80200

Owner

Source: Clay County records, as of January 26, 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	805 E 10TH ST, SPENCER, IA 51301-4928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GMAC MORTGAGE CORP
Jan 23, 2012	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 10, 2022	Warranty Deed, Transfer · USDA Mortgage USDA
May 6, 2020	Condominium Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	May 6, 2020 · Amount on Record
Deed Document Number	2022 2095
Deed Book / Page	2022 / 2095
Record Updated	Jun 8, 2026

March 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	805 E 10TH ST, SPENCER, IA 51301-4928
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02006/0632
Date	Mar 3, 2006
Book Page	2006/0632
Instrument	2006 0632

Lender

Name	GMAC MORTGAGE CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2031

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	805 E 10TH ST, SPENCER, IA 51301-4928
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0209
Date	Jan 23, 2012
Book Page	2012/0209
Instrument	2012 0209

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2027

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 10, 2022
Property Address	805 E 10TH ST, SPENCER, IA 51301-4928
Document Number	02022/2095
Book / Page	2022 / 2095
Instrument Date	Aug 5, 2022
Instrument	2022 2095
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E 10TH ST, SPENCER, IA 51301-4928

Mortgage

Document Number	0020222096
Date	Aug 10, 2022
Instrument	2022 2096

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Aug 10, 2055

Interest

Rate Type	Fixed Rate

May 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CLAY IA
Recording Date	May 6, 2020
Property Address	805 E 10TH ST, SPENCER, IA 51301-4928
Document Number	02020/1169
Book / Page	2020 / 1169
Instrument Date	Apr 30, 2020
Instrument	2020 1169
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 E 10TH ST, SPENCER, IA 51301-4928

Mortgage

Document Number	02020/1170
Date	May 6, 2020
Book Page	2020/1170
Instrument	2020 1170

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

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		$81,230 (+13.66%) Land $20,000 Building $61,230	$81,230 (+13.66%) Land $20,000 Building $61,230
2024	$980.00 (+28.27%)
2023		$71,470 (+36.92%) Land $14,000 Building $57,470	$71,470 (+36.92%) Land $14,000 Building $57,470
2022	$764.00 Homeowner's exemption	$52,200 Land $14,000 Building $38,200
2021			$52,200 Land $14,000 Building $38,200

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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