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

Clay County property record for 817 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,881 sqft · built 1915
Lot Size	0.255 acres (11,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Oct 2018)
Tax Bill	$3,746 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Jan 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607281018`

Property Details

APN / Parcel Number

Primary APN	`963607281018`
Alternative APN	`64096360728101800`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,881 sqft Living Area
1st Floor Area	1,076 sqft
Basement Area	1,128 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,100 sqft (0.255 acres)
Lot Dimensions	148 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	1,452 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	496 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	817 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 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	2 Individual Names on Record
Mailing Address	817 E 11TH ST, SPENCER, IA 51301-4942
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Jan 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Oct 9, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Prior Sale	Jul 5, 2011 · Amount on Record
Deed Document Number	20182633
Deed Book / Page	2018 / 2633
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	817 E 11TH ST, SPENCER, IA 51301-4942
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002634
Date	Oct 9, 2018
Book Page	0000002018/0000002634
Instrument	000000002634

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	817 E 11TH ST, SPENCER, IA 51301-4942
Transaction Type	Mortgage
Record Updated	Feb 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/279
Date	Jan 31, 2020
Book Page	2020/279
Instrument	279

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 9, 2018
Property Address	817 E 11TH ST, SPENCER, IA 51301-4942
Document Number	2018/2633
Book / Page	2018 / 2633
Instrument Date	Sep 27, 2018
Instrument	000000002633
Transaction Type	Transfer
Record Updated	Oct 11, 2021

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	817 E 11TH ST, SPENCER, IA 51301-4942

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	$3,746.00 (+7.77%) Homeowner's exemption	$264,530 (+12.18%) Land $30,600 Building $233,930	$264,530 (+12.18%) Land $30,600 Building $233,930
2024	$3,476.00 (+45.93%)
2023		$235,810 (+59.85%) Land $21,420 Building $214,390	$235,810 (+59.85%) Land $21,420 Building $214,390
2022	$2,382.00 Homeowner's exemption	$147,520 Land $21,420 Building $126,100
2021			$147,520 Land $21,420 Building $126,100

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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