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

Clay County property record for 815 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1955
Lot Size	0.187 acres (8,140 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Aug 2007)
Tax Bill	$1,682 (2025)
Deeds & Mortgages	Feb 2010 Mortgage Aug 2007 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607281017`

Property Details

APN / Parcel Number

Primary APN	`963607281017`
Alternative APN	`64096360728101700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	888 sqft Living Area
Basement Area	888 sqft
Finished Basement	100 sqft
Unfinished Basement	888 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,140 sqft (0.187 acres)
Lot Dimensions	148 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	79 sqft
Patio Area	227 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	815 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 2 MORRIS MEADOWS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	MORRIS MEADOWS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
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	Individual Name on Record
Mailing Address	815 E 11TH ST, SPENCER, IA 51301-4942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2010	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 13, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2007 · Amount on Record
Deed Sale	Aug 13, 2007 · Amount on Record
Deed Document Number	20072494
Deed Book / Page	2007 / 2494
Record Updated	Oct 29, 2026

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	815 E 11TH ST, SPENCER, IA 51301-4942
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/0262
Date	Feb 1, 2010
Book Page	2010/0262
Instrument	2010 0262

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2040

August 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Aug 13, 2007
Property Address	815 E 11TH ST, SPENCER, IA 51301-4942
Document Number	02007/2494
Book / Page	2007 / 2494
Instrument Date	Jul 16, 2007
Instrument	2007 2494
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 E 11TH ST, SPENCER, IA 51301-4942

Mortgage

Document Number	0020072495
Date	Aug 13, 2007
Instrument	2007 2495

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 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	$1,682.00 (+7.96%) Homeowner's exemption	$120,720 (+12.19%) Land $22,440 Building $98,280	$120,720 (+12.19%) Land $22,440 Building $98,280
2024	$1,558.00 (+7.01%)
2023		$107,600 (+17.62%) Land $15,710 Building $91,890	$107,600 (+17.62%) Land $15,710 Building $91,890
2022	$1,456.00 Homeowner's exemption	$91,480 Land $15,710 Building $75,770
2021			$91,480 Land $15,710 Building $75,770

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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