13 E 2nd St, Spencer, IA 51301 Property Records

Clay County property record for 13 E 2nd St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,792 sqft · built 1920
Lot Size	0.123 acres (5,368 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Dec 2025)
Tax Bill	$972 (2025)
Deeds & Mortgages	Sep 2010 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618132014`

Property Details

APN / Parcel Number

Primary APN	`963618132014`
Alternative APN	`68296361813201400`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,368 sqft (0.123 acres)
Lot Dimensions	122 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	208 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13 E 2ND ST
City	SPENCER
State	IA
Zip	51301-4106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 E O.P.
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	ORIGINAL PLAT
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2025
Census Tract	80200

Owner

13 E 2nd St is owned and occupied by an individual who bought it in December 2025.

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	Individual Name on File
Mailing Address	13 E 2ND ST, SPENCER, IA 51301-4106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2010	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
Dec 12, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2025 · Amount on File
Deed Sale	Dec 12, 2025 · Amount on File
Deed Document Number	20252923
Deed Book / Page	2025 / 2923
Record Updated	Oct 29, 2026

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	13 E 2ND ST, SPENCER, IA 51301-4106
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/2652
Date	Sep 28, 2010
Book Page	2010/2652
Instrument	2010 2652

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 12, 2025
Property Address	13 E 2ND ST, SPENCER, IA 51301-4106
Document Number	02025/2923
Book / Page	2025 / 2923
Instrument Date	Dec 4, 2025
Instrument	2025 2923
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 E 2ND ST, SPENCER, IA 51301-4106

Mortgage

Document Number	0020252924
Date	Dec 12, 2025
Instrument	2025 2924

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.62%
Type Change Date	Jan 1, 2031
Change Frequency	Annually
Min Rate At Change	6.62%
Max Rate At Change	10.6%
Index	1-Year CMT
Max Rate	13.6%

Tax Assessment & Valuation

The 2025 property tax bill for 13 E 2nd St was $972 with a homeowner's exemption, down 6.5% 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	$972.00 (-6.54%) Homeowner's exemption	$74,350 Land $9,500 Building $64,850	$74,350 Land $9,500 Building $64,850
2024	$1,040.00
2023		$75,140 (+17.1%) Land $9,500 Building $65,640	$75,140 Land $9,500 Building $65,640
2022	$974.00 Homeowner's exemption	$64,170 Land $9,500 Building $54,670
2021			$64,170 Land $9,500 Building $54,670

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

Flood

FEMA maps place 13 E 2nd St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 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

The area around 13 E 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 484 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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