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

Clay County property record for 910 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,212 sqft · built 1910
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$108,000 (May 2006)
Tax Bill	$1,944 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607428003`

Property Details

APN / Parcel Number

Primary APN	`963607428003`
Alternative APN	`64096360742800300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
1st Floor Area	532 sqft
Basement Area	532 sqft
Unfinished Basement	532 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
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	768 sqft
Parking Spaces	3 Parking Spaces
Deck Area	336 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	910 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 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	910 E 11TH ST, SPENCER, IA 51301-4756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2006 · Amount on Record
Deed Sale	May 3, 2006 · Amount on Record
Deed Document Number	20061347
Deed Book / Page	2006 / 1347
Prior Transfer Date	Apr 20, 2006
Prior Transfer Doc	2006/1347
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Dec 5, 2022
Property Address	910 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02022/3085
Book / Page	2022 / 3085
Instrument Date	Oct 7, 2022
Instrument	2022 3085
Transaction Type	Transfer
Record Updated	Sep 30, 2025

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	910 1ST AVE SW, SPENCER, IA 51301-5705

Mortgage

Document Number	0020223086
Date	Dec 5, 2022
Instrument	2022 3086

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	11%

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	$1,944.00 (+7.4%) Homeowner's exemption	$137,800 (+11.82%) Land $20,000 Building $117,800	$137,800 (+11.82%) Land $20,000 Building $117,800
2024	$1,810.00 (+7.74%)
2023		$123,230 (+18.22%) Land $14,000 Building $109,230	$123,230 (+18.22%) Land $14,000 Building $109,230
2022	$1,680.00 Homeowner's exemption	$104,240 Land $14,000 Building $90,240
2021			$104,240 Land $14,000 Building $90,240

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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