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

Clay County property record for 136 E 20th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,200 sqft · built 1976
Lot Size	0.421 acres (18,352 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,080 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606380011`

Property Details

APN / Parcel Number

Primary APN	`963606380011`
Alternative APN	`64096360638001100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Basement Area	600 sqft
Finished Basement	500 sqft
Unfinished Basement	600 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,352 sqft (0.421 acres)
Garage Type	Mixed
Garage Area	776 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	136 E 20TH ST
City	SPENCER
State	IA
Zip	51301-2303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 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

136 E 20th St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	136 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
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 10, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	136 E 20TH ST, SPENCER, IA 51301-2303
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3276
Date	Oct 26, 2020
Book Page	2020/3276
Instrument	2020 3276

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 10, 2017
Property Address	136 E 20TH ST, SPENCER, IA 51301-2303
Document Number	02017/2119
Book / Page	2017 / 2119
Instrument Date	Aug 7, 2017
Instrument	2017 2119
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	136 E 20TH ST, SPENCER, IA 51301-2303

Mortgage

Document Number	02017/2120
Date	Aug 10, 2017
Book Page	2017/2120
Instrument	2120

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 136 E 20th St was $4,080 with a homeowner's exemption, up 5.9% 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	$4,080.00 (+5.86%) Homeowner's exemption	$277,310 Land $36,600 Building $240,710	$277,310 Land $36,600 Building $240,710
2024	$3,854.00
2023		$251,010 (+18.38%) Land $25,620 Building $225,390	$251,010 Land $25,620 Building $225,390
2022	$3,578.00 Homeowner's exemption	$212,040 Land $25,620 Building $186,420
2021			$212,040 Land $25,620 Building $186,420

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

Flood

FEMA maps place 136 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 136 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 326 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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