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

Clay County property record for 902 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,102 sqft · built 1923
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Feb 2019)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607428001`

Property Details

APN / Parcel Number

Primary APN	`963607428001`
Alternative APN	`64096360742800100`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,102 sqft Living Area
Basement Area	1,102 sqft
Finished Basement	375 sqft
Unfinished Basement	1,102 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	168 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	902 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 1 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	3042
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	1607 KRISTIN DR, SPENCER, IA 51301-2818
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage IOWA STATE BANK
Feb 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2019 · Amount on Record
Deed Sale	Feb 20, 2019 · Amount on Record
Prior Sale	Nov 28, 2006 · Amount on Record
Deed Document Number	2019428
Deed Book / Page	2019 / 428
Prior Transfer Date	Nov 22, 2006
Prior Transfer Doc	2006/3681
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	902 E 11TH ST, SPENCER, IA 51301-4756
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1446
Date	Jun 1, 2020
Book Page	2020/1446
Instrument	2020 1446

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 20, 2019
Property Address	902 E 11TH ST, SPENCER, IA 51301-4756
Document Number	2019/428
Book / Page	2019 / 428
Instrument Date	Feb 15, 2019
Instrument	428
Transaction Type	Transfer
Record Updated	Jun 28, 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	1629 KRISTIN DR, SPENCER, IA 51301-2818

Mortgage

Document Number	002019/430
Date	Feb 20, 2019
Book Page	2019/430
Instrument	430

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$2,676.00 (+3.32%)	$174,760 (+8.02%) Land $20,000 Building $154,760	$174,760 (+8.02%) Land $20,000 Building $154,760
2024	$2,590.00 (+6.76%)
2023		$161,780 (+17.45%) Land $14,000 Building $147,780	$161,780 (+17.45%) Land $14,000 Building $147,780
2022	$2,426.00	$137,740 Land $14,000 Building $123,740
2021			$137,740 Land $14,000 Building $123,740

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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