Clay County property record for 116 E 20th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,092 sqft · built 1972 |
| Lot Size | 0.284 acres (12,384 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $110,000 (Jun 2005) |
| Tax Bill | $2,712 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606380008 |
| Primary APN | 963606380008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Basement Area | 1,092 sqft |
| Finished Basement | 475 sqft |
| Unfinished Basement | 1,092 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,384 sqft (0.284 acres) |
| Lot Dimensions | 144 ft deep x 86 ft wide |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 324 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 116 E 20TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 16 SUNSET ACRES ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | SUNSET ACRES ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 80200 |
Source: Clay County records, as of September 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 116 E 20TH ST, SPENCER, IA 51301-2303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2005 · Amount on Record |
| Deed Sale | Jun 8, 2005 · Amount on Record |
| Deed Document Number | 20051918 |
| Deed Book / Page | 2005 / 1918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 116 E 20TH ST, SPENCER, IA 51301-2303 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02020/2583 |
|---|---|
| Date | Aug 27, 2020 |
| Book Page | 2020/2583 |
| Instrument | 2020 2583 |
| Name | BANK MIDWEST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,712.00 (+7.79%) | $177,080 (+12.64%) Land $34,740 Building $142,340 | $177,080 (+12.64%) Land $34,740 Building $142,340 |
| 2024 | $2,516.00 (+5.45%) | ||
| 2023 | $157,210 (+16.03%) Land $24,320 Building $132,890 | $157,210 (+16.03%) Land $24,320 Building $132,890 | |
| 2022 | $2,386.00 | $135,490 Land $24,320 Building $111,170 | |
| 2021 | $135,490 Land $24,320 Building $111,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 7 (1993–2024) |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 110 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 · Fiber in parts of the area | 1,000 / 50 |
| GigFire Fixed Wireless | 100 / 20 |
May also be available: AT&T, Nextlink, T-Mobile, Verizon.
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