Clay County property record for 921 E 10th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1952 |
| Lot Size | 0.228 acres (9,940 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,500 (Aug 2026) |
| Deeds & Mortgages | Aug 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607428013 |
| Primary APN | 963607428013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 9,940 sqft (0.228 acres) |
| Lot Dimensions | 142 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Shed | 1 Shed |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 921 E 10TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4750 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E 20' 13 1 2ND COLLEGE ALL 14 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 |
921 E 10th St is owned and occupied by two individuals who bought it in August 2026.
Source: Clay County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3095 230TH AVE, SPENCER, IA 51301-7555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2026 · Amount on File |
| Deed Sale | Aug 3, 2026 · Amount on File |
| Deed Document Number | 20261917 |
| Deed Book / Page | 2026 / 1917 |
| Prior Transfer Date | Aug 4, 2025 |
| Prior Transfer Doc | 02025/1832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Aug 3, 2026 |
| Property Address | 921 E 10TH ST, SPENCER, IA 51301-4750 |
| Document Number | 0000001917 |
| Book / Page | 2026 / 1917 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 20261917 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $24,240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3095 230TH AVE, SPENCER, IA 51301-7555 |
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 | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $105,620 Land $28,000 Building $77,620 | $105,620 Land $28,000 Building $77,620 |
| 2023 | $92,540 Land $19,600 Building $72,940 | $92,540 Land $19,600 Building $72,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 921 E 10th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 921 E 10th St is low, with less than a 0.01% annual chance of 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.
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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