918 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 918 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,335 sqft · built 1959
Lot Size	0.261 acres (11,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jun 2021)
Tax Bill	$2,700 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607431004`

Property Details

APN / Parcel Number

Primary APN	`963607431004`
Alternative APN	`64096360743100400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,335 sqft Living Area
1st Floor Area	1,060 sqft
Basement Area	1,060 sqft
Finished Basement	525 sqft
Unfinished Basement	1,060 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	11,360 sqft (0.261 acres)
Lot Dimensions	142 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	593 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	918 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 6 2ND COLLEGE E 30' 5 6 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	3057
Census Tract	80200

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 Record	2 Individual Names on Record
Mailing Address	918 E 10TH ST, SPENCER, IA 51301-4749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2021 · Amount on Record
Deed Sale	Jun 3, 2021 · Amount on Record
Prior Sale	Jun 30, 2008 · Amount on Record
Deed Document Number	20211718
Deed Book / Page	2021 / 1718
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 3, 2021
Property Address	918 E 10TH ST, SPENCER, IA 51301-4749
Document Number	2021/1718
Book / Page	2021 / 1718
Instrument Date	May 26, 2021
Instrument	2021 1718
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
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	918 E 10TH ST, SPENCER, IA 51301-4749

Mortgage

Document Number	2021171920211719
Date	Jun 3, 2021
Instrument	2021 171920211719

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,700.00 (+8.7%) Homeowner's exemption	$201,780 (+12.65%) Land $32,000 Building $169,780	$201,780 (+12.65%) Land $32,000 Building $169,780
2024	$2,484.00 (-2.44%)
2023		$179,120 (+16.78%) Land $22,400 Building $156,720	$179,120 (+16.78%) Land $22,400 Building $156,720
2022	$2,546.00 Homeowner's exemption	$153,380 Land $22,400 Building $130,980
2021			$153,380 Land $22,400 Building $130,980

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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