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

Clay County property record for 914 E 11th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,104 sqft · built 1955
Lot Size0.163 acres (7,100 sqft)
OwnerIndividual Name on Record
Tax Bill$2,140 (2025)
Deeds & MortgagesOct 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN963607428004

Property Details

APN / Parcel Number

Primary APN963607428004
Alternative APN
  • 64096360742800400

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,104 sqft Living Area
1st Floor Area936 sqft
Basement Area936 sqft
Finished Basement550 sqft
Unfinished Basement936 sqft
FlooringHardwood
Interior WallsPlaster

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleRanch
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 Area528 sqft
Parking Spaces2 Parking Spaces
Deck Area252 sqft
Patio Area252 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address914 E 11TH ST
CitySPENCER
StateIA
Zip51301-4756
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5 1 2ND COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE 2ND ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3042
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 RecordIndividual Name on Record
Mailing Address914 E 11TH ST, SPENCER, IA 51301-4756
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last Transfer DateSep 25, 2017
Transfer Doc0000002637
Record UpdatedOct 29, 2026

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionCLAY IA
Recording DateOct 9, 2017
Property Address914 E 11TH ST, SPENCER, IA 51301-4756
Document Number2017/2637
Book / Page2017 / 2637
Instrument DateSep 25, 2017
Instrument2017 2637
Transaction TypeTransfer
Record UpdatedOct 11, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address914 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number2017/2638
DateOct 9, 2017
Book Page2017/2638
Instrument2017 2638
Lender
NameNORTHWEST BANK
TypeBank
AddressSPENCER, IA 51301
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2047

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$2,140.00 (+6.47%) Homeowner's exemption$150,630 (+10.98%) Land $20,000 Building $130,630$150,630 (+10.98%) Land $20,000 Building $130,630
2024$2,010.00 (+8.06%)
2023$135,730 (+18.55%) Land $14,000 Building $121,730$135,730 (+18.55%) Land $14,000 Building $121,730
2022$1,860.00 Homeowner's exemption$114,490 Land $14,000 Building $100,490
2021$114,490 Land $14,000 Building $100,490

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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 97% of the US · lower than 76% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 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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