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

Clay County property record for 920 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1958
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Apr 2026)
Tax Bill	$2,584 (2025)
Deeds & Mortgages	Sep 2019 Refinance Apr 2023 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`963607428006`

Property Details

APN / Parcel Number

Primary APN	`963607428006`
Alternative APN	`64096360742800600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	525 sqft
Unfinished Basement	864 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel 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	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	448 sqft
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	920 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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	Individual Name on Record
Mailing Address	920 E 11TH ST, SPENCER, IA 51301-4756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Apr 14, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Aug 7, 2006	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BLUE VALLEY
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST AND SVGS BANK
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK
Apr 25, 2023	Warranty Deed, Transfer · Conventional Mortgage VIP MORTGAGE LLC
Aug 3, 2018	Warranty Deed, Transfer FARMERS TRUST & SAVINGS BANK
Jan 29, 2016	Warranty Deed, Transfer
Aug 13, 2012	Intrafamily Transfer, Transfer
Sep 6, 2012	Re-recorded Document

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Apr 25, 2023 · Amount on Record
Deed Document Number	2026904
Deed Book / Page	2026 / 904
Prior Transfer Date	Aug 3, 2012
Prior Transfer Doc	02012/2694
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/2365
Date	Sep 9, 2019
Book Page	2019/2365
Instrument	2365

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/647
Date	Apr 14, 2023
Book Page	2023/647
Instrument	2023 647

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2024

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/2474
Date	Aug 7, 2006
Book Page	2006/2474
Instrument	2006 2474

Lender

Name	BANK OF BLUE VALLEY
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2036

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 17, 2026
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	0000000904
Book / Page	2026 / 904
Instrument Date	Apr 16, 2026
Instrument	2026.904
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,623.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	0000000905,
Date	Apr 17, 2026
Instrument	2026..905

Lender

Name	FARMERS TRUST AND SVGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 17, 2026
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	002026/904
Book / Page	2026 / 904
Instrument Date	Apr 16, 2026
Instrument	2026904
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,623.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	0000000905,
Date	Apr 17, 2026
Instrument	2026905

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 25, 2023
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	002023/718
Book / Page	2023 / 718
Instrument Date	Apr 21, 2023
Instrument	2023 718
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	002023/719
Date	Apr 25, 2023
Book Page	2023/719
Instrument	2023 719

Lender

Name	VIP MORTGAGE LLC
Type	Mortgage Company

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 3, 2018
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02018/2105
Book / Page	2018 / 2105
Instrument Date	Jul 30, 2018
Instrument	000000002105
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number	0000002018/0000002106
Date	Aug 3, 2018
Book Page	0000002018/0000002106
Instrument	000000002106

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 29, 2016
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02016/0259
Book / Page	2016 / 0259
Instrument Date	Jan 20, 2016
Instrument	2016 0259
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Aug 13, 2012
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02012/2380
Book / Page	2012 / 2380
Instrument Date	Aug 3, 2012
Instrument	2012 2380
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1212 SWEENEY TRL, HALIFAX, VA 24558-2972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

September 2012: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	CLAY IA
Recording Date	Sep 6, 2012
Property Address	920 E 11TH ST, SPENCER, IA 51301-4756
Document Number	02012/2694
Book / Page	2012 / 2694
Instrument Date	Aug 3, 2012
Instrument	2012 2694
Record Updated	May 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1212 SWEENEY TRL, HALIFAX, VA 24558-2972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	920 E 11TH ST, SPENCER, IA 51301-4756

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	$2,584.00 (+5.47%) Homeowner's exemption	$179,600 (+68.23%) Land $20,000 Building $159,600	$179,600 (+68.23%) Land $20,000 Building $159,600
2024	$2,450.00 (+70.38%)
2023		$106,760 (+18.01%) Land $14,000 Building $92,760	$106,760 (+18.01%) Land $14,000 Building $92,760
2022	$1,438.00 Homeowner's exemption	$90,470 Land $14,000 Building $76,470
2021			$90,470 Land $14,000 Building $76,470

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
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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