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

Clay County property record for 814 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,640 sqft · built 1947
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,500 (Jun 2019)
Tax Bill	$3,612 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607427003`

Property Details

APN / Parcel Number

Primary APN	`963607427003`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,640 sqft Living Area
1st Floor Area	1,472 sqft
Basement Area	1,472 sqft
Finished Basement	900 sqft
Unfinished Basement	1,472 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	60 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	814 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4941
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2-3 2 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	3043
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	2 Individual Names on Record
Mailing Address	814 E 11TH ST, SPENCER, IA 51301-4941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jun 5, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2019 · Amount on Record
Deed Sale	Jun 5, 2019 · Amount on Record
Deed Document Number	20191407
Deed Book / Page	2019 / 1407
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	814 E 11TH ST, SPENCER, IA 51301-4941
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0176
Date	Jan 23, 2017
Book Page	2017/0176
Instrument	2017 0176

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Feb 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 5, 2019
Property Address	814 E 11TH ST, SPENCER, IA 51301-4941
Document Number	2019/1407
Book / Page	2019 / 1407
Instrument Date	May 24, 2019
Instrument	1407
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	814 E 11TH ST, SPENCER, IA 51301-4941

Mortgage

Document Number	02019/1408
Date	Jun 5, 2019
Book Page	2019/1408
Instrument	1408

Lender

Name	AMERICAN STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2034

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	$3,612.00 (+6.93%) Homeowner's exemption	$261,310 (+11.22%) Land $36,000 Building $225,310	$261,310 (+11.22%) Land $36,000 Building $225,310
2024	$3,378.00 (-0.06%)
2023		$234,950 (+17.05%) Land $25,200 Building $209,750	$234,950 (+17.05%) Land $25,200 Building $209,750
2022	$3,380.00 Homeowner's exemption	$200,720 Land $25,200 Building $175,520
2021			$200,720 Land $25,200 Building $175,520

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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