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

Clay County property record for 915 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1959
Lot Size	0.189 acres (8,236 sqft)
Owner	Individual Name on Record
Last Sale	$142,000 (Jul 2023)
Tax Bill	$2,038 (2024)
Deeds & Mortgages	Jan 2022 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607437013`

Property Details

APN / Parcel Number

Primary APN	`963607437013`
Alternative APN	`64096360743701300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Basement Area	900 sqft
Finished Basement	675 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	8,236 sqft (0.189 acres)
Lot Dimensions	142 ft deep x 58 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743701300
Street Address	915 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	EXC W 8' 12 12 2ND COLLEGE W 16' 13 12 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3075
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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
Co-owner	Co-owner on Record
Mailing Address	915 E 7TH ST, SPENCER, IA 51301-4743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jul 9, 2018	Warranty Deed, Transfer NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Jul 9, 2018 · Amount on Record
Deed Document Number	2023 1482
Deed Book / Page	2023 / 1482
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	915 E 7TH ST, SPENCER, IA 51301-4743
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/224
Date	Jan 25, 2022
Book Page	2022/224
Instrument	2022 0224

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Nov 15, 2030

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	915 E 7TH ST, SPENCER, IA 51301-4743
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3329
Date	Oct 29, 2020
Book Page	2020/3329
Instrument	2020 3329

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2030

Interest

Rate Type	Adjustable Rate

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 14, 2023
Property Address	915 E 7TH ST, SPENCER, IA 51301-4743
Document Number	02023/1482
Book / Page	2023 / 1482
Instrument Date	Jun 7, 2023
Instrument	2023 1482
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	915 E 7TH ST, SPENCER, IA 51301-4743

Mortgage

Document Number	02023/1483
Date	Jul 14, 2023
Book Page	2023/1483
Instrument	2023 1483

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 9, 2018
Property Address	915 E 7TH ST, SPENCER, IA 51301-4743
Document Number	02018/1814
Book / Page	2018 / 1814
Instrument Date	Jun 21, 2018
Instrument	000000001814
Transaction Type	Transfer
Record Updated	Aug 16, 2023

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
Address	915 E 7TH ST, SPENCER, IA 51301-4743

Mortgage

Document Number	0000002018/0000001815
Date	Jul 9, 2018
Book Page	0000002018/0000001815
Instrument	000000001815

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$148,300 (+29.14%) Land $20,300 Building $128,000	$148,300 (+29.14%) Land $20,300 Building $128,000
2024	$2,038.00 (+31.31%)
2023		$114,840 (+18.39%) Land $15,660 Building $99,180	$114,840 (+18.39%) Land $15,660 Building $99,180
2022	$1,552.00 Homeowner's exemption	$97,000 Land $15,660 Building $81,340
2021			$97,000 Land $15,660 Building $81,340

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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