Clay County property record for 904 E 7th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 881 sqft · built 1939 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $40,000 (Jul 2012) |
| Tax Bill | $1,204 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607478002 |
| Primary APN | 963607478002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 881 sqft Living Area |
| Basement Area | 881 sqft |
| Game Room | Game Room |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1939 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 7,100 sqft (0.162 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Street Address | 904 E 7TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4742 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 13 2ND COLLEGE |
| Legal Subdivision | COLLEGE 2ND ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3076 |
| Census Tract | 80200 |
Source: Clay County records, as of September 29, 2025
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 | 904 E 7TH ST, SPENCER, IA 51301-4742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 20, 2012 · Amount on Record |
| Deed Sale | Jul 20, 2012 · Amount on Record |
| Prior Sale | May 2, 2008 · Amount on Record |
| Deed Document Number | 2012 2101 |
| Deed Book / Page | 2012 / 2101 |
| Record Updated | Jun 8, 2026 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $89,970 (+5.24%) Land $14,000 Building $75,970 | $89,970 (+5.24%) Land $14,000 Building $75,970 | |
| 2024 | $1,204.00 (+10.05%) | ||
| 2023 | $85,490 (+20.37%) Land $10,800 Building $74,690 | $85,490 (+20.37%) Land $10,800 Building $74,690 | |
| 2022 | $1,094.00 Homeowner's exemption | $71,020 Land $10,800 Building $60,220 | |
| 2021 | $71,020 Land $10,800 Building $60,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% 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.
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 |
| 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.
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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