816 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 816 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 704 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Company Name on Record
Last Sale	$40,000 (Jul 2018)
Tax Bill	$1,006 (2025)
Deeds & Mortgages	Aug 2026 Sale Jul 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607436005`

Property Details

APN / Parcel Number

Primary APN	`963607436005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	704 sqft Living Area
Basement Area	704 sqft
Finished Basement	200 sqft
Unfinished Basement	704 sqft
Game Room	Game Room
Flooring	Concrete/Cement
Interior Walls	Cement Board

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
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	600 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	816 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 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 September 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1765 280TH ST, SPENCER, IA 51301-7401
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jul 17, 2018	Deed of Trust, Mortgage · Line of Credit FARMERS STATE BANK
Jul 17, 2018	Warranty Deed, Transfer
Aug 30, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2018 · Amount on Record
Deed Sale	Jul 17, 2018 · Amount on Record
Prior Sale	Mar 13, 2012 · Amount on Record
Deed Document Number	20181899
Deed Book / Page	2018 / 1899
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 5, 2026
Property Address	816 E 8TH ST, SPENCER, IA 51301-4913
Document Number	0000001939
Book / Page	2026 / 1939
Instrument Date	Aug 4, 2026
Instrument	20261939
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1765 280TH ST, SPENCER, IA 51301-7401

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	816 E 8TH ST, SPENCER, IA 51301-4913
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001900
Date	Jul 17, 2018
Book Page	0000002018/0000001900
Instrument	000000001900

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 17, 2018
Property Address	816 E 8TH ST, SPENCER, IA 51301-4913
Document Number	02018/1899
Book / Page	2018 / 1899
Instrument Date	Jul 16, 2018
Instrument	000000001899
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	1765 280TH ST, SPENCER, IA 51301-7401

August 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Aug 30, 2007
Property Address	816 E 8TH ST, SPENCER, IA 51301-4913
Document Number	02007/2667
Book / Page	2007 / 2667
Instrument Date	Aug 29, 2007
Instrument	2007 2667
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E 8TH ST, SPENCER, IA 51301-4913

Mortgage

Document Number	0020072669
Date	Aug 30, 2007
Instrument	2007 2669

Lender

Name	FARMERS TRUST AND 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	$1,006.00 (+2.44%)	$65,730 (+7.19%) Land $17,500 Building $48,230	$65,730 (+7.19%) Land $17,500 Building $48,230
2024	$982.00 (+5.36%)
2023		$61,320 (+15.81%) Land $13,500 Building $47,820	$61,320 (+15.81%) Land $13,500 Building $47,820
2022	$932.00	$52,950 Land $13,500 Building $39,450
2021			$52,950 Land $13,500 Building $39,450

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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