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

Clay County property record for 813 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$87,500 (Jun 2021)
Tax Bill	$1,540 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607436011`

Property Details

APN / Parcel Number

Primary APN	`963607436011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	432 sqft
Basement Area	432 sqft
Finished Basement	250 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
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	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	108 sqft
Shed	1 Shed
Shed Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	813 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 11 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	3074
Census Tract	80200

Owner

Source: Clay County records, as of April 2, 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	813 E 7TH ST, SPENCER, IA 51301-4904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 18, 2021	Warranty Deed, Transfer
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2021 · Amount on Record
Deed Sale	Jun 18, 2021 · Amount on Record
Prior Sale	Nov 23, 2020 · Amount on Record
Deed Document Number	20211927
Deed Book / Page	2021 / 1927
Prior Transfer Date	Nov 12, 2020
Prior Transfer Doc	02020/3679
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	813 E 7TH ST, SPENCER, IA 51301-4904
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2229
Date	Jul 14, 2021
Book Page	2021/2229
Instrument	2021 2229

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 18, 2021
Property Address	813 E 7TH ST, SPENCER, IA 51301-4904
Document Number	2021/1927
Book / Page	2021 / 1927
Instrument Date	Nov 12, 2020
Instrument	2021 1927
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$139.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 E 7TH ST, SPENCER, IA 51301-4904

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 23, 2020
Property Address	813 E 7TH ST, SPENCER, IA 51301-4904
Document Number	02020/3679
Book / Page	2020 / 3679
Instrument Date	Nov 12, 2020
Instrument	2020 3679
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$139.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 E 7TH ST, SPENCER, IA 51301-4904

Mortgage

Document Number	02020/3680
Date	Nov 23, 2020
Book Page	2020/3680
Instrument	2020 3680

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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	$1,540.00 Homeowner's exemption	$111,270 (+4.55%) Land $17,500 Building $93,770	$111,270 (+4.55%) Land $17,500 Building $93,770
2024	$1,540.00 (+7.69%)
2023		$106,430 (+18.2%) Land $13,500 Building $92,930	$106,430 (+18.2%) Land $13,500 Building $92,930
2022	$1,430.00 Homeowner's exemption	$90,040 Land $13,500 Building $76,540
2021			$90,040 Land $13,500 Building $76,540

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 99.8% of the US · lower than 98.1% 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 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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