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

Clay County property record for 918 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 864 sqft · built 1955
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Jan 2023)
Tax Bill	$2,268 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Sep 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607428005`

Property Details

APN / Parcel Number

Primary APN	`963607428005`
Alternative APN	`64096360742800500`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	500 sqft
Unfinished Basement	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	918 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 1 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	3042
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 11TH ST, SPENCER, IA 51301-4756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK
Sep 15, 2022	Intrafamily Transfer, Transfer
Apr 1, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 14, 2020	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2023 · Amount on Record
Deed Sale	Jan 27, 2023 · Amount on Record
Prior Sale	Oct 14, 2020
Deed Document Number	2023122
Deed Book / Page	2023 / 122
Prior Transfer Date	Sep 10, 2022
Prior Transfer Doc	02022/2443
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 27, 2023
Property Address	918 E 11TH ST, SPENCER, IA 51301-4756
Document Number	002023/122
Book / Page	2023 / 122
Instrument Date	Jan 25, 2023
Instrument	2023 122
Transaction Type	Transfer
Record Updated	Oct 12, 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	918 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	002023/154
Date	Feb 1, 2023
Book Page	2023/154
Instrument	2023 154

Lender

Name	AMERICAN BANK
Type	Bank

Agreement

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

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 15, 2022
Property Address	918 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02022/2443
Book / Page	2022 / 2443
Instrument Date	Sep 10, 2022
Instrument	2022 2443
Transaction Type	Transfer
Record Updated	Oct 12, 2022

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
Relationship	Tenants in Common
Address	1105 NORTHWOOD CIR, HUXLEY, IA 50124-8107

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Apr 1, 2022
Property Address	918 E 11TH ST, SPENCER, IA 51301-4756
Document Number	002022/829
Book / Page	2022 / 829
Map Reference	DOC 2020-3134
Instrument Date	Apr 1, 2022
Instrument	2022 829
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4300 GOODFELLOW BLVD BLDG 105, 4300, SAINT LOUIS, MO 63120-1703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 NORTHWOOD CIR, HUXLEY, IA 50124-8107

October 2020: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IA
Recording Date	Oct 14, 2020
Property Address	918 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02020/3134
Book / Page	2020 / 3134
Instrument Date	Sep 23, 2020
Instrument	2020 3134
Transaction Type	Foreclosure
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 7TH AVE SE, 111, CEDAR RAPIDS, IA 52401-2101

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4300 GOODFELLOW BLVD, SAINT LOUIS, MO 63120-1706
Investor	Possibly a Property Investor

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	$2,268.00 (-1.73%)	$158,960 (+10.73%) Land $20,000 Building $138,960	$158,960 (+10.73%) Land $20,000 Building $138,960
2024	$2,308.00 (+50.07%)
2023		$143,550 (+64.51%) Land $14,000 Building $129,550	$143,550 (+64.51%) Land $14,000 Building $129,550
2022	$1,538.00	$87,260 Land $14,000 Building $73,260
2021			$87,260 Land $14,000 Building $73,260

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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