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

Clay County property record for 817 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 784 sqft · built 1949
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$63,000 (Oct 2009)
Tax Bill	$1,642 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Sep 2012 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607433011`

Property Details

APN / Parcel Number

Primary APN	`963607433011`
Alternative APN	`64096360743301100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	784 sqft Living Area
Basement Area	784 sqft
Finished Basement	627 sqft
Unfinished Basement	784 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
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	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	248 sqft
Patio Area	248 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 8 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	3059
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	817 E 8TH ST, SPENCER, IA 51301-4914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK
Sep 21, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Feb 3, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2009 · Amount on Record
Deed Sale	Oct 26, 2009 · Amount on Record
Deed Document Number	20093440
Deed Book / Page	2009 / 3440
Last Transfer Date	Jan 7, 2026
Transfer Doc	002026/282
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	817 E 8TH ST, SPENCER, IA 51301-4914
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1479
Date	Jun 6, 2022
Book Page	2022/1479
Instrument	2022 1479

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2037

Interest

Rate Type	Fixed Rate

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	817 E 8TH ST, SPENCER, IA 51301-4914
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2876
Date	Sep 21, 2012
Book Page	2012/2876
Instrument	2012 2876

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2032

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Feb 3, 2026
Property Address	817 E 8TH ST, SPENCER, IA 51301-4914
Document Number	002026/282
Book / Page	2026 / 282
Instrument Date	Jan 7, 2026
Instrument	2026 282
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E 8TH ST, SPENCER, IA 51301-4914

Mortgage

Document Number	0002026283
Date	Feb 3, 2026
Instrument	2026 283

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

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	$1,642.00 (+2.11%) Homeowner's exemption	$118,090 (+6.75%) Land $17,500 Building $100,590	$118,090 (+6.75%) Land $17,500 Building $100,590
2024	$1,608.00 (+9.84%)
2023		$110,620 (+20.3%) Land $13,500 Building $97,120	$110,620 (+20.3%) Land $13,500 Building $97,120
2022	$1,464.00 Homeowner's exemption	$91,950 Land $13,500 Building $78,450
2021			$91,950 Land $13,500 Building $78,450

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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