924 E 7th St, Spencer, IA 51301 Property Records

Clay County property record for 924 E 7th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,030 sqft · built 1900
Lot Size	0.26 acres (11,360 sqft)
Owner	Individual Name on Record
Tax Bill	$2,710 (2024)
Deeds & Mortgages	Mar 2025 Transfer Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607478005`

Property Details

APN / Parcel Number

Primary APN	`963607478005`
Alternative APN	`68296360747800500`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
1st Floor Area	912 sqft
Basement Area	1,392 sqft
Finished Basement	250 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Exterior Material	Shingles
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,360 sqft (0.26 acres)
Lot Dimensions	142 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Deck Area	121 sqft
Patio Area	656 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68296360747800500
Street Address	924 E 7TH ST
City	SPENCER
State	IA
Zip	51301-4742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	W 30' 2 13 2ND COLL ALL 3 13 2ND COLL.
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3076
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	924 E 7TH ST, SPENCER, IA 51301-4742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2025	Affidavit of Death of Joint Tenant, Transfer
Jul 19, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2025
Deed Sale	Mar 3, 2025
Prior Sale	Aug 1, 2024 · Amount on Record
Deed Document Number	0002025520
Deed Book / Page	2024 / 1466
Record Updated	Jun 8, 2026

March 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Mar 3, 2025
Property Address	924 E 7TH ST, SPENCER, IA 51301-4742
Document Number	002025/520
Book / Page	2025 / 520
Instrument Date	Mar 3, 2025
Instrument	2025 520
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3200 S THEODORE AVE APT 117, 117, SIOUX FALLS, SD 57106-5442
Mail Care Of	PAMELS M SOMERS

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	924 E 7TH ST, SPENCER, IA 51301-4742
Transaction Type	Mortgage
Record Updated	Jul 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 1876
Date	Jul 19, 2017
Book Page	2017/1876
Instrument	1876

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$204,860 (+1.6%) Land $22,400 Building $182,460	$204,860 (+1.6%) Land $22,400 Building $182,460
2024	$2,710.00 (-0.22%)
2023		$201,630 (+21.16%) Land $17,280 Building $184,350	$201,630 (+21.16%) Land $17,280 Building $184,350
2022	$2,716.00 Homeowner's exemption	$166,420 Land $17,280 Building $149,140
2021			$166,420 Land $17,280 Building $149,140

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.

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