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

Clay County property record for 919 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,025 sqft · built 1960
Lot Size	0.198 acres (8,662 sqft)
Owner	Individual Name on Record
Tax Bill	$1,752 (2024)
Deeds & Mortgages	Mar 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607437014`

Property Details

APN / Parcel Number

Primary APN	`963607437014`
Alternative APN	`64096360743701400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	925 sqft
Basement Area	925 sqft
Finished Basement	425 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Shingles
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Shingle
Lot Area	8,662 sqft (0.198 acres)
Lot Dimensions	142 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743701400
Street Address	919 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	W 27' 14 12 2ND COLLEGE EXC 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
Mailing Address	919 E 7TH ST, SPENCER, IA 51301-4743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 31, 2022
Transfer Doc	002022/819
Record Updated	Jun 8, 2026

March 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Mar 31, 2022
Property Address	919 E 7TH ST, SPENCER, IA 51301-4743
Document Number	002022/819
Book / Page	2022 / 819
Instrument Date	Mar 24, 2022
Instrument	2022 819
Transaction Type	Foreclosure
Record Updated	Apr 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 E 7TH ST, SPENCER, IA 51301-4743

Mortgage

Document Number	002022/820
Date	Mar 31, 2022
Book Page	2022/820
Instrument	2022 820

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

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		$128,110 (+7.02%) Land $21,350 Building $106,760	$128,110 (+7.02%) Land $21,350 Building $106,760
2024	$1,752.00 (+9.36%)
2023		$119,710 (+19.87%) Land $16,470 Building $103,240	$119,710 (+19.87%) Land $16,470 Building $103,240
2022	$1,602.00	$99,870 Land $16,470 Building $83,400
2021			$99,870 Land $16,470 Building $83,400

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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