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

Clay County property record for 922 E 11th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 714 sqft · built 1958
Lot Size0.147 acres (6,390 sqft)
Owner2 Individual Names on Record
Last Sale$80,000 (Aug 2019)
Tax Bill$1,056 (2025)
Deeds & MortgagesAug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607428007

Property Details

APN / Parcel Number

Primary APN963607428007
Alternative APN
  • 64096360742800700

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area714 sqft Living Area
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Architectural StyleRanch
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialShingle
Lot Area6,390 sqft (0.147 acres)
Lot Dimensions142 ft deep x 45 ft wide
Garage TypeDetached
Garage Area264 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address922 E 11TH ST
CitySPENCER
StateIA
Zip51301-4756
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW 45' 2 1 2ND COLLEGE
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionCOLLEGE 2ND ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3042
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address922 E 11TH ST, SPENCER, IA 51301-4756
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 19, 2019 · Amount on Record
Deed SaleAug 19, 2019 · Amount on Record
Deed Document Number20192161
Deed Book / Page2019 / 2161
Record UpdatedOct 29, 2026

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateAug 19, 2019
Property Address922 E 11TH ST, SPENCER, IA 51301-4756
Document Number2019/2161
Book / Page2019 / 2161
Instrument DateAug 15, 2019
Instrument2161
Transaction TypeTransfer
Record UpdatedOct 11, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address922 E 11TH ST, SPENCER, IA 51301-4756

Mortgage

Document Number02019/2162
DateAug 19, 2019
Book Page2019/2162
Instrument2162
Lender
NameFIRST FEDERAL CREDIT UNION
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term181 Months
DueSep 1, 2034

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,056.00 (+9.32%) Homeowner's exemption$94,390 (+12.09%) Land $18,000 Building $76,390$94,390 (+12.09%) Land $18,000 Building $76,390
2024$966.00 (-12.5%)
2023$84,210 (+17.76%) Land $12,600 Building $71,610$84,210 (+17.76%) Land $12,600 Building $71,610
2022$1,104.00 Homeowner's exemption$71,510 Land $12,600 Building $58,910
2021$71,510 Land $12,600 Building $58,910

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot 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 RiskLow
lower than 97% of the US · lower than 76% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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