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

Clay County property record for 927 E 8th St, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 896 sqft · built 1957
Lot Size	0.159 acres (6,958 sqft)
Owner	Individual Name on Record
Last Sale	$82,500 (Sep 2023)
Tax Bill	$1,858 (2024)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607434015`

Property Details

APN / Parcel Number

Primary APN	`963607434015`
Alternative APN	`64096360743401500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	896 sqft Total Area
1st Floor Area	448 sqft
Basement Area	448 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	6,958 sqft (0.159 acres)
Lot Dimensions	142 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743401500
Street Address	927 E 8TH ST
City	SPENCER
State	IA
Zip	51301-4748
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SPENCER RESID
Legal Description	16 7 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	16
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3058
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	140 N CENTRAL AVE, HARTLEY, IA 51346-1142
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Warranty Deed, Transfer · Line of Credit SANBORN SAVINGS BANK
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
Nov 7, 2019	Deed of Trust, Mortgage · ARM FARMERS TRUST & SAVINGS BANK
Nov 26, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2023 · Amount on Record
Deed Sale	Sep 5, 2023 · Amount on Record
Deed Document Number	2023 1973
Deed Book / Page	2023 / 1973
Record Updated	Jun 8, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 5, 2023
Property Address	927 E 8TH ST, SPENCER, IA 51301-4748
Document Number	02023/1973
Book / Page	2023 / 1973
Instrument Date	Aug 25, 2023
Instrument	2023 1973
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.20
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	140 N CENTRAL AVE, HARTLEY, IA 51346-1142

Mortgage

Document Number	0020231974
Date	Sep 5, 2023
Instrument	2023 1974

Lender

Name	SANBORN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	927 E 8TH ST, SPENCER, IA 51301-4748
Transaction Type	Mortgage
Record Updated	Nov 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2754
Date	Oct 17, 2022
Book Page	2022/2754
Instrument	2022 2754

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 17, 2042

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	927 E 8TH ST, SPENCER, IA 51301-4748
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2972
Date	Nov 7, 2019
Book Page	2019/2972
Instrument	2972

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Nov 1, 2024
Index	1-Year CMT
Margin	3

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	927 E 8TH ST, SPENCER, IA 51301-4748
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000003055
Date	Nov 26, 2018
Book Page	0000002018/0000003055

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	170 Months
Due	Jan 1, 2033

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		$121,370 (-18.08%) Land $17,150 Building $104,220	$121,370 (-18.08%) Land $17,150 Building $104,220
2024	$1,858.00 (-13.58%)
2023		$148,150 (+21.4%) Land $13,230 Building $134,920	$148,150 (+21.4%) Land $13,230 Building $134,920
2022	$2,150.00	$122,030 Land $13,230 Building $108,800
2021			$122,030 Land $13,230 Building $108,800

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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