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

Clay County property record for 923 E 11th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,652 sqft · built 1959
Lot Size	0.224 acres (9,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jul 2019)
Tax Bill	$3,200 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607282010`

Property Details

APN / Parcel Number

Primary APN	`963607282010`
Alternative APN	`64096360728201000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,652 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Finished Basement	325 sqft
Unfinished Basement	1,092 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,768 sqft (0.224 acres)
Lot Dimensions	148 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	923 E 11TH ST
City	SPENCER
State	IA
Zip	51301-4757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 66' 9 2 GRANDVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	GRANDVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3041
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	2 Individual Names on Record
Mailing Address	923 E 11TH ST, SPENCER, IA 51301-4757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jul 30, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	201956
Deed Book / Page	2019 / 1956
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	923 E 11TH ST, SPENCER, IA 51301-4757
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/406
Date	Feb 9, 2021
Book Page	2021/406
Instrument	2021 0406

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	923 E 11TH ST, SPENCER, IA 51301-4757
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/2618
Date	Oct 5, 2017
Book Page	2017/2618
Instrument	2017 2618

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 30, 2019
Property Address	923 E 11TH ST, SPENCER, IA 51301-4757
Document Number	2019/1956
Book / Page	2019 / 1956
Instrument Date	Jul 18, 2019
Instrument	1956
Transaction Type	Transfer
Record Updated	Oct 11, 2021

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	923 E 11TH ST, SPENCER, IA 51301-4757

Mortgage

Document Number	02019/1957
Date	Jul 30, 2019
Book Page	2019/1957
Instrument	1957

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$3,200.00 (+6.1%) Homeowner's exemption	$219,870 (+10.69%) Land $26,930 Building $192,940	$219,870 (+10.69%) Land $26,930 Building $192,940
2024	$3,016.00 (+6.95%)
2023		$198,640 (+17.53%) Land $18,850 Building $179,790	$198,640 (+17.53%) Land $18,850 Building $179,790
2022	$2,820.00 Homeowner's exemption	$169,010 Land $18,850 Building $150,160
2021			$169,010 Land $18,850 Building $150,160

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
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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