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

Clay County property record for 904 E 8th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 727 sqft · built 1939
Lot Size0.163 acres (7,100 sqft)
Owner2 Individual Names on Record
Tax Bill$1,128 (2025)
Deeds & MortgagesFeb 2018 Mortgage
Mar 2020 Transfer
Flood ZoneZone X (minimal risk)
APN963607437002

Property Details

APN / Parcel Number

Primary APN963607437002
Alternative APN
  • 64096360743700200

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area727 sqft Living Area
1st Floor Area672 sqft
Basement Area672 sqft
Finished Basement400 sqft
Unfinished Basement672 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1939
Effective Year BuiltEffective 1939
Architectural StyleCape Cod
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,100 sqft (0.163 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area264 sqft
Parking Spaces1 Parking Space
Patio Area365 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address904 E 8TH ST
CitySPENCER
StateIA
Zip51301-4744
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description7 12 2ND COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE 2ND ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3075
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address904 E 8TH ST, SPENCER, IA 51301-4744
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 20, 2018Deed of Trust, Mortgage
FARMERS TRUST & SAVINGS BANK
Mar 17, 2020Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateMar 13, 2020
Transfer Doc2020/680
Record UpdatedOct 29, 2026

February 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address904 E 8TH ST, SPENCER, IA 51301-4744
Transaction TypeMortgage
Record UpdatedJun 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000000408
DateFeb 20, 2018
Book Page0000002018/0000000408
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
AmountAmount Recorded

March 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateMar 17, 2020
Property Address904 E 8TH ST, SPENCER, IA 51301-4744
Document Number2020/680
Book / Page2020 / 680
Instrument DateMar 13, 2020
Instrument680
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address904 E 8TH ST, SPENCER, IA 51301-4744
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,128.00 (-0.88%) Homeowner's exemption$84,540 (+3.91%) Land $8,750 Building $75,790$84,540 (+3.91%) Land $8,750 Building $75,790
2024$1,138.00 (+11.35%)
2023$81,360 (+21.6%) Land $6,750 Building $74,610$81,360 (+21.6%) Land $6,750 Building $74,610
2022$1,022.00 Homeowner's exemption$66,910 Land $6,750 Building $60,160
2021$66,910 Land $6,750 Building $60,160

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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