Clay County property record for 920 E 8th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 800 sqft · built 1946 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Company Name on Record |
| Last Sale | $90,000 (Dec 2021) |
| Tax Bill | $1,468 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607437006 |
| Primary APN | 963607437006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 800 sqft Living Area |
| Basement Area | 800 sqft |
| Unfinished Basement | 800 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Paneling |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Aluminum/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 | 896 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 220 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 920 E 8TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4744 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 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 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 3195 180TH AVE, SPENCER, IA 51301-7506 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 21, 2021 · Amount on Record |
| Deed Sale | Dec 21, 2021 · Amount on Record |
| Prior Sale | Dec 29, 2008 · Amount on Record |
| Deed Document Number | 20214003 |
| Deed Book / Page | 2021 / 4003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 920 E 8TH ST, SPENCER, IA 51301-4744 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1193 |
|---|---|
| Date | May 10, 2022 |
| Book Page | 2022/1193 |
| Instrument | 2022 1193 |
| Name | AMERICAN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2037 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,468.00 (+1.38%) | $95,810 (+5.94%) Land $17,500 Building $78,310 | $95,810 (+5.94%) Land $17,500 Building $78,310 |
| 2024 | $1,448.00 (+8.71%) | ||
| 2023 | $90,440 (+19.69%) Land $13,500 Building $76,940 | $90,440 (+19.69%) Land $13,500 Building $76,940 | |
| 2022 | $1,332.00 | $75,560 Land $13,500 Building $62,060 | |
| 2021 | $75,560 Land $13,500 Building $62,060 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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