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

Clay County property record for 812 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1955
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jul 2007)
Tax Bill	$1,414 (2025)
Deeds & Mortgages	Jul 2012 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607477004`

Property Details

APN / Parcel Number

Primary APN	`963607477004`
Alternative APN	`68296360747700400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	308 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	812 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 14 2ND COLLEGE
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	3077
Census Tract	80200

Owner

Source: Clay County records, as of June 23, 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	812 E 7TH ST, SPENCER, IA 51301-4903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 29, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 27, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2007 · Amount on Record
Deed Sale	Jul 27, 2007 · Amount on Record
Deed Document Number	20072311
Deed Book / Page	2007 / 2311
Last Transfer Date	May 29, 2026
Transfer Doc	0000001273
Record Updated	Sep 20, 2026

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 7TH ST, SPENCER, IA 51301-4903
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2188
Date	Jul 27, 2012
Book Page	2012/2188
Instrument	2012 2188

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jun 15, 2027

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 7TH ST, SPENCER, IA 51301-4903
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/1220
Date	Apr 20, 2021
Book Page	2021/1220
Instrument	2021 1220

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	May 29, 2026
Property Address	812 E 7TH ST, SPENCER, IA 51301-4903
Document Number	0000001273
Book / Page	2026 / 1273
Instrument Date	May 29, 2026
Instrument	20261273
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 E 7TH ST, SPENCER, IA 51301-4903

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 7TH ST, SPENCER, IA 51301-4903
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1220
Date	Apr 20, 2021
Book Page	2021/1220
Instrument	2021 1220

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2026
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	1-Year CMT

July 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jul 27, 2007
Property Address	812 E 7TH ST, SPENCER, IA 51301-4903
Document Number	02007/2311
Book / Page	2007 / 2311
Instrument Date	Jul 16, 2007
Instrument	2007 2311
Transaction Type	Foreclosure
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$87.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	812 E 7TH ST, SPENCER, IA 51301-4903
Investor	Possibly a Property Investor

Mortgage

Document Number	0020072312
Date	Jul 27, 2007
Instrument	2007 2312

Lender

Name	FARMERS TRUST SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2037

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	$1,414.00 Homeowner's exemption	$105,440 (+6.97%) Land $17,500 Building $87,940	$105,440 (+6.97%) Land $17,500 Building $87,940
2024	$1,414.00 (+9.44%)
2023		$98,570 (+19.89%) Land $13,500 Building $85,070	$98,570 (+19.89%) Land $13,500 Building $85,070
2022	$1,292.00 Homeowner's exemption	$82,220 Land $13,500 Building $68,720
2021			$82,220 Land $13,500 Building $68,720

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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