918 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 918 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 760 sqft · built 1945
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$144,500 (Jul 2026)
Tax Bill	$1,632 (2025)
Deeds & Mortgages	Jul 2026 Sale & Line of Credit Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607437005`

Property Details

APN / Parcel Number

Primary APN	`963607437005`
Alternative APN	`64096360743700500`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	760 sqft Living Area
Basement Area	760 sqft
Unfinished Basement	760 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
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	264 sqft
Parking Spaces	1 Parking Space
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	918 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 12 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	3075
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	Individual Name on Record
Mailing Address	918 E 8TH ST, SPENCER, IA 51301-4744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Warranty Deed, Transfer · Line of Credit WEST BANK
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	20261702
Deed Book / Page	2026 / 1702
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 13, 2026
Property Address	918 E 8TH ST, SPENCER, IA 51301-4744
Document Number	0000001702
Book / Page	2026 / 1702
Instrument Date	Jul 10, 2026
Instrument	20261702
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$23,270.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	918 E 8TH ST, SPENCER, IA 51301-4744
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001703,
Date	Jul 13, 2026
Instrument	20261703

Lender

Name	WEST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 10, 2046

Interest

Rate	6.53%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	918 E 8TH ST, SPENCER, IA 51301-4744
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1626
Date	Jul 31, 2023
Book Page	2023/1626
Instrument	2023 1626

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 15, 2033

Interest

Rate Type	Adjustable Rate

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	$1,632.00 (+0.74%) Homeowner's exemption	$117,490 (+5.43%) Land $17,500 Building $99,990	$117,490 (+5.43%) Land $17,500 Building $99,990
2024	$1,620.00 (+46.74%)
2023		$111,440 (+55.75%) Land $13,500 Building $97,940	$111,440 (+55.75%) Land $13,500 Building $97,940
2022	$1,104.00 Homeowner's exemption	$71,550 Land $13,500 Building $58,050
2021			$71,550 Land $13,500 Building $58,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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