910 E 7th St, Spencer, IA 51301 Property Records

Clay County property record for 910 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1920
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on Record
Tax Bill	$616 (2025)
Deeds & Mortgages	Sep 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607478003`

Property Details

APN / Parcel Number

Primary APN	`963607478003`
Alternative APN	`68296360747800300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	624 sqft
Attic	Attic
Attic Area	218 sqft
Basement Area	874 sqft
Unfinished Basement	624 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	242 sqft
Patio Area	242 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	910 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 5 13 2ND COLLEGE ALL 6 13 2ND COLL.
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	3076
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 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	910 E 7TH ST, SPENCER, IA 51301-4742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 3, 2020
Transfer Doc	2020/2761
Record Updated	Jun 8, 2026

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 9, 2020
Property Address	910 E 7TH ST, SPENCER, IA 51301-4742
Document Number	2020/2761
Book / Page	2020 / 2761
Instrument Date	Sep 3, 2020
Instrument	2020 2761
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	910 E 7TH ST, SPENCER, IA 51301-4742

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	$616.00 Homeowner's exemption	$75,610 (+6.64%) Land $23,630 Building $51,980	$75,610 (+6.64%) Land $23,630 Building $51,980
2024	$616.00 (-29.84%)
2023		$70,900 (+14.24%) Land $18,230 Building $52,670	$70,900 (+14.24%) Land $18,230 Building $52,670
2022	$878.00 Homeowner's exemption	$62,060 Land $18,230 Building $43,830
2021			$62,060 Land $18,230 Building $43,830

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 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.

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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