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

Clay County property record for 130 E 20th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,068 sqft · built 1976
Lot Size	0.274 acres (11,952 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Jun 2019)
Tax Bill	$3,062 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage Feb 2009 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963606380010`

Property Details

APN / Parcel Number

Primary APN	`963606380010`
Alternative APN	`64096360638001000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,068 sqft Living Area
Basement Area	534 sqft
Finished Basement	450 sqft
Unfinished Basement	534 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,952 sqft (0.274 acres)
Lot Dimensions	144 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	130 E 20TH ST
City	SPENCER
State	IA
Zip	51301-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	130 E 20TH ST, SPENCER, IA 51301-2303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB
Feb 27, 2009	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Feb 27, 2009 · Amount on Record
Deed Document Number	20191617
Deed Book / Page	2019 / 1617
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 27, 2019
Property Address	130 E 20TH ST, SPENCER, IA 51301-2303
Document Number	2019/1617
Book / Page	2019 / 1617
Instrument Date	Jun 22, 2019
Instrument	1617
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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
Address	130 E 20TH ST, SPENCER, IA 51301-2303

Mortgage

Document Number	1618
Date	Jun 27, 2019
Instrument	1618

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

February 2009: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Feb 27, 2009
Property Address	130 E 20TH ST, SPENCER, IA 51301-2303
Document Number	002009/854
Book / Page	2009 / 854
Instrument Date	Feb 16, 2009
Instrument	2009 0854
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 E 20TH ST, SPENCER, IA 51301-2303

Mortgage

Document Number	0020090855
Date	Feb 27, 2009
Instrument	2009 0855

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2039

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	$3,062.00 (+7.36%) Homeowner's exemption	$219,870 (+11.72%) Land $33,530 Building $186,340	$219,870 (+11.72%) Land $33,530 Building $186,340
2024	$2,852.00 (+4.01%)
2023		$196,800 (+17.18%) Land $23,470 Building $173,330	$196,800 (+17.18%) Land $23,470 Building $173,330
2022	$2,742.00 Homeowner's exemption	$167,940 Land $23,470 Building $144,470
2021			$167,940 Land $23,470 Building $144,470

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 · 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

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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