122 E 20th St, Spencer, IA 51301 Property Records

Clay County property record for 122 E 20th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,988 sqft · built 1974
Lot Size	0.284 acres (12,384 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Jan 2018)
Tax Bill	$4,876 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963606380009`

Property Details

APN / Parcel Number

Primary APN	`963606380009`
Alternative APN	`64096360638000900`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,988 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,988 sqft
Finished Basement	475 sqft
Unfinished Basement	1,988 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,384 sqft (0.284 acres)
Lot Dimensions	144 ft deep x 86 ft wide
Garage Type	Mixed
Garage Area	1,552 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	122 E 20TH ST
City	SPENCER
State	IA
Zip	51301-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 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

Owner

122 E 20th St is owned and occupied by two individuals who bought it in January 2018.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	122 E 20TH ST, SPENCER, IA 51301-2303
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 4, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2018 · Amount on File
Deed Sale	Jan 4, 2018 · Amount on File
Deed Document Number	201832
Deed Book / Page	2018 / 32
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	122 E 20TH ST, SPENCER, IA 51301-2303
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1947
Date	Jul 2, 2020
Book Page	2020/1947
Instrument	2020 1947

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	122 E 20TH ST, SPENCER, IA 51301-2303
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/0033
Date	Jan 4, 2018
Book Page	2018/0033
Instrument	2017 0033

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 4, 2018
Property Address	122 E 20TH ST, SPENCER, IA 51301-2303
Document Number	2018/032
Book / Page	2018 / 032
Instrument Date	Dec 26, 2017
Instrument	000000000032
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	122 E 20TH ST, SPENCER, IA 51301-2303

Tax Assessment & Valuation

The 2025 property tax bill for 122 E 20th St was $4,876 with a homeowner's exemption, up 23.1% from the year before.

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	$4,876.00 (+23.13%) Homeowner's exemption	$343,850 Land $34,740 Building $309,110	$343,850 Land $34,740 Building $309,110
2024	$3,960.00
2023		$271,350 (+17.77%) Land $24,320 Building $247,030	$271,350 Land $24,320 Building $247,030
2022	$3,902.00 Homeowner's exemption	$230,410 Land $24,320 Building $206,090
2021			$230,410 Land $24,320 Building $206,090

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 122 E 20th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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.

Wildfire

Wildfire risk around 122 E 20th St is low, with less than a 0.01% annual chance of 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	Direct burnable vegetation

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 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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