922 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 922 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 768 sqft · built 1955
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (May 2025)
Tax Bill	$1,774 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607431005`

Property Details

APN / Parcel Number

Primary APN	`963607431005`
Alternative APN	`64096360743100500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Finished Basement	500 sqft
Unfinished Basement	768 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
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
Deck Area	278 sqft
Patio Area	278 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	922 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 6 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	3057
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	922 E 10TH ST, SPENCER, IA 51301-4749
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 2, 2025	Warranty Deed, Transfer · Conventional Mortgage BANKWEST INC
Sep 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BLUE WATER FNCL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Sep 25, 2019 · Amount on Record
Deed Document Number	20251021
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 2, 2025
Property Address	922 E 10TH ST, SPENCER, IA 51301-4749
Document Number	02025/1021
Book / Page	2025 / 1021
Instrument Date	Apr 30, 2025
Instrument	2025 1021
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 E 10TH ST, SPENCER, IA 51301-4749

Mortgage

Document Number	0020251022
Date	May 2, 2025
Instrument	2025 1022

Lender

Name	BANKWEST INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2055

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 25, 2019
Property Address	922 E 10TH ST, SPENCER, IA 51301-4749
Document Number	02019/2532
Book / Page	2019 / 2532
Instrument Date	Nov 12, 2015
Instrument	2532
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	922 E 10TH ST, SPENCER, IA 51301-4749
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002533
Date	Sep 25, 2019
Instrument	2533

Lender

Name	BLUE WATER FNCL INC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,774.00 (-22.16%) Homeowner's exemption	$141,310 (+11%) Land $20,000 Building $121,310	$141,310 (+11%) Land $20,000 Building $121,310
2024	$2,279.00 (+4.97%)
2023		$127,310 (+18.54%) Land $14,000 Building $113,310	$127,310 (+18.54%) Land $14,000 Building $113,310
2022	$2,171.00 Homeowner's exemption	$107,400 Land $14,000 Building $93,400
2021			$107,400 Land $14,000 Building $93,400

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.

Nearby Properties on E 10th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures