Clay County property record for 809 E 10th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,479 sqft · built 1935 |
| Lot Size | 0.293 acres (12,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $38,500 (Jun 1999) |
| Tax Bill | $2,546 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607427007 |
| Primary APN | 963607427007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,479 sqft Living Area |
| 1st Floor Area | 1,020 sqft |
| Attic Area | 459 sqft |
| Basement Area | 1,020 sqft |
| Finished Basement | 350 sqft |
| Sunroom | Sunroom |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1935 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 12,780 sqft (0.293 acres) |
| Lot Dimensions | 142 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 677 sqft |
| Deck Area | 130 sqft |
| Patio Area | 442 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360742700700 |
|---|---|
| Street Address | 809 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 | 9 2 2ND COLLEGE W 40' 10 2 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 | 3043 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 809 E 10TH ST, SPENCER, IA 51301-4928 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 26, 1999 · Amount on Record |
| Deed Sale | Jun 26, 1999 · Amount on Record |
| Deed Document Number | 0019994486 |
| 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 | $201,040 (+9.89%) Land $32,400 Building $168,640 | $201,040 (+9.89%) Land $32,400 Building $168,640 | |
| 2024 | $2,546.00 (-2.38%) | ||
| 2023 | $182,940 (+16.58%) Land $22,680 Building $160,260 | $182,940 (+16.58%) Land $22,680 Building $160,260 | |
| 2022 | $2,608.00 Homeowner's exemption | $156,920 Land $22,680 Building $134,240 | |
| 2021 | $156,920 Land $22,680 Building $134,240 |
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 | None beyond ember reach |
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 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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