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

Clay County property record for 911 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,104 sqft · built 1974
Lot Size	0.272 acres (11,840 sqft)
Owner	Individual Name on Record
Last Sale	$178,500 (Oct 2025)
Tax Bill	$2,540 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607282008`

Property Details

APN / Parcel Number

Primary APN	`963607282008`
Alternative APN	`64096360728200800`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Basement Area	1,104 sqft
Finished Basement	425 sqft
Unfinished Basement	1,104 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,840 sqft (0.272 acres)
Lot Dimensions	148 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	586 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	911 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 2 GRANDVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	GRANDVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3041
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	911 E 11TH ST, SPENCER, IA 51301-4757
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 23, 2025	Warranty Deed, Transfer · VA Mortgage NORTHWEST BANK
Jun 5, 2018	Warranty Deed, Transfer NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jun 5, 2018 · Amount on Record
Deed Document Number	20252517
Deed Book / Page	2025 / 2517
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	911 E 11TH ST, SPENCER, IA 51301-4757
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/340
Date	Feb 3, 2021
Book Page	2021/340
Instrument	2021 0340

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 23, 2025
Property Address	911 E 11TH ST, SPENCER, IA 51301-4757
Document Number	02025/2517
Book / Page	2025 / 2517
Instrument Date	Oct 13, 2025
Instrument	2025 2517
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 E 11TH ST, SPENCER, IA 51301-4757

Mortgage

Document Number	0020252518
Date	Oct 23, 2025
Instrument	2025 2518

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 5, 2018
Property Address	911 E 11TH ST, SPENCER, IA 51301-4757
Document Number	02018/1485
Book / Page	2018 / 1485
Instrument Date	May 29, 2018
Instrument	000000001485
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants
Address	911 E 11TH ST, SPENCER, IA 51301-4757

Mortgage

Document Number	0000002018/0000001486
Date	Jun 5, 2018
Book Page	0000002018/0000001486
Instrument	000000001486

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

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	$2,540.00 (+7.81%) Homeowner's exemption	$176,800 (+12.33%) Land $32,640 Building $144,160	$176,800 (+12.33%) Land $32,640 Building $144,160
2024	$2,356.00 (+5.75%)
2023		$157,400 (+16.28%) Land $22,850 Building $134,550	$157,400 (+16.28%) Land $22,850 Building $134,550
2022	$2,228.00 Homeowner's exemption	$135,360 Land $22,850 Building $112,510
2021			$135,360 Land $22,850 Building $112,510

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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