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

Clay County property record for 906 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1954
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2021)
Tax Bill	$2,518 (2025)
Deeds & Mortgages	Sep 2021 Sale Nov 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607428002`

Property Details

APN / Parcel Number

Primary APN	`963607428002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Basement Area	884 sqft
Finished Basement	250 sqft
Unfinished Basement	884 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel 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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	106 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	906 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 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	Individual Name on Record
Mailing Address	3345 410TH ST, RUTHVEN, IA 51358-7535
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2021	Warranty Deed, Transfer
Nov 20, 2019	Warranty Deed, Transfer · Stand-Alone Refinance KIMBERLY S WILSON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Prior Sale	Nov 20, 2019 · Amount on Record
Deed Document Number	20212985
Deed Book / Page	2021 / 2985
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 23, 2021
Property Address	906 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02021/2985
Book / Page	2021 / 2985
Instrument Date	Sep 20, 2021
Instrument	2021 2985
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$223.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3345 410TH ST, RUTHVEN, IA 51358-7535

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 20, 2019
Property Address	906 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02019/3111
Book / Page	2019 / 3111
Instrument Date	Nov 19, 2019
Instrument	3111
Transaction Type	Transfer
Record Updated	Oct 12, 2023

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
Address	906 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	02019/3116
Date	Nov 21, 2019
Book Page	2019/3116
Instrument	3116

Lender

Name	KIMBERLY S WILSON

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	145 Months
Due	Dec 1, 2031

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	$2,518.00 (+4.74%)	$164,490 (+9.51%) Land $20,000 Building $144,490	$164,490 (+9.51%) Land $20,000 Building $144,490
2024	$2,404.00 (-2.2%)
2023		$150,200 Land $14,000 Building $136,200	$150,200 Land $14,000 Building $136,200
2022	$2,458.00

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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