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

Clay County property record for 916 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,036 sqft · built 1900
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on Record
Tax Bill	$244 (2025)
Deeds & Mortgages	Sep 2025 Transfer Nov 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607478004`

Property Details

APN / Parcel Number

Primary APN	`963607478004`
Alternative APN	`68296360747800400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
1st Floor Area	856 sqft
Basement Area	214 sqft
Unfinished Basement	214 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	916 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 13 2ND COLLEGE E 1/2 5 13 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	3076
Census Tract	80200

Owner

Source: Clay County records, as of February 19, 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	2307 BARBARA AVE, BELLEVUE, NE 68147-8433
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Intrafamily Transfer, Transfer
Nov 3, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 22, 2025
Transfer Doc	02025/2311
Record Updated	Jun 8, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 30, 2025
Property Address	916 E 7TH ST, SPENCER, IA 51301-4742
Document Number	02025/2311
Book / Page	2025 / 2311
Instrument Date	Aug 22, 2025
Instrument	2025 2311
Transaction Type	Transfer
Record Updated	Oct 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	916 E 7TH ST, SPENCER, IA 51301-4742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2307 BARBARA AVE, BELLEVUE, NE 68147-8433

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Nov 3, 2023
Property Address	916 E 7TH ST, SPENCER, IA 51301-4742
Document Number	02023/2513
Book / Page	2023 / 2513
Instrument Date	Oct 28, 2023
Instrument	2023 2513
Transaction Type	Transfer
Record Updated	Dec 18, 2023

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	916 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	$244.00	$18,520 (+21.2%) Land $13,130 Building $5,390	$18,520 (+21.2%) Land $13,130 Building $5,390
2024	$244.00 (+577.78%)
2023		$15,280 (+6.48%) Land $10,130 Building $5,150	$15,280 (+6.48%) Land $10,130 Building $5,150
2022	$36.00 Homeowner's exemption	$14,350 Land $10,130 Building $4,220
2021			$14,350 Land $10,130 Building $4,220

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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