924 E 8th St, Spencer, IA 51301 Property Records

Clay County property record for 924 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 773 sqft · built 1900
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$67,500 (Nov 2024)
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Nov 2024 Sale & Line of Credit Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607437007`

Property Details

APN / Parcel Number

Primary APN	`963607437007`
Alternative APN	`64096360743700700`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	773 sqft Living Area
1st Floor Area	384 sqft
Basement Area	192 sqft
Unfinished Basement	192 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
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	180 sqft

Exterior Amenities

Porch	Porch
Porch Area	35 sqft
Deck Area	Deck Area
Patio Area	100 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	924 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 12 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	3075
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	1215 JENKINS AVE, GREENVILLE, IA 51343-8003
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Warranty Deed, Transfer · Line of Credit LEIGHTON STATE BANK
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024 · Amount on Record
Deed Sale	Nov 27, 2024 · Amount on Record
Prior Sale	Oct 3, 2014 · Amount on Record
Deed Document Number	20242707
Record Updated	Oct 29, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 27, 2024
Property Address	924 E 8TH ST, SPENCER, IA 51301-4744
Document Number	02024/2707
Book / Page	2024 / 2707
Instrument Date	Nov 27, 2024
Instrument	2024 2707
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1215 JENKINS AVE, GREENVILLE, IA 51343-8003

Mortgage

Document Number	0020242708
Date	Nov 27, 2024
Instrument	2024 2708

Lender

Name	LEIGHTON STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 29, 2022
Property Address	924 E 8TH ST, SPENCER, IA 51301-4744
Document Number	02022/1093
Book / Page	2022 / 1093
Instrument Date	Apr 21, 2022
Instrument	2022 1093
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1400 8TH AVE SW, SPENCER, IA 51301-5519

Mortgage

Document Number	02022/1094
Date	Apr 29, 2022
Book Page	2022/1094
Instrument	2022 1094

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$1,060.00 (-5.02%)	$69,160 (-0.82%) Land $17,500 Building $51,660	$69,160 (-0.82%) Land $17,500 Building $51,660
2024	$1,116.00 (+5.28%)
2023		$69,730 (+15.81%) Land $13,500 Building $56,230	$69,730 (+15.81%) Land $13,500 Building $56,230
2022	$1,060.00	$60,210 Land $13,500 Building $46,710
2021			$60,210 Land $13,500 Building $46,710

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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