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

Clay County property record for 925 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 768 sqft · built 1945
Lot Size	0.196 acres (8,520 sqft)
Owner	Individual Name on Record
Tax Bill	$1,628 (2025)
Deeds & Mortgages	Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607428014`

Property Details

APN / Parcel Number

Primary APN	`963607428014`
Alternative APN	`64096360742801400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,520 sqft (0.196 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	198 sqft
Porch	Porch
Porch Area	198 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	925 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 1 2ND COLLEGE W 10' 16 1 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	3042
Census Tract	80200

Owner

Source: Clay County records, as of October 9, 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	925 E 10TH ST, SPENCER, IA 51301-4750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Jul 7, 2017
Property Address	925 E 10TH ST, SPENCER, IA 51301-4750
Document Number	2017/1744
Book / Page	2017 / 1744
Instrument Date	Jun 27, 2017
Instrument	2017 1744
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 E 10TH ST, SPENCER, IA 51301-4750

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	$1,628.00 (+6.82%)	$106,250 (+11.65%) Land $24,000 Building $82,250	$106,250 (+11.65%) Land $24,000 Building $82,250
2024	$1,524.00 (+6.42%)
2023		$95,160 (+17.09%) Land $16,800 Building $78,360	$95,160 (+17.09%) Land $16,800 Building $78,360
2022	$1,432.00	$81,270 Land $16,800 Building $64,470
2021			$81,270 Land $16,800 Building $64,470

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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