210 E 16th St, Spencer, IA 51301 Property Records

Clay County property record for 210 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 880 sqft · built 1936
Lot Size	0.124 acres (5,400 sqft)
Owner	Individual Name on Record
Last Sale	$172,375 (Sep 2011)
Tax Bill	$1,542 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607142002`

Property Details

APN / Parcel Number

Primary APN	`963607142002`
Alternative APN	`64096360714200200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
Basement Area	880 sqft
Unfinished Basement	880 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	90 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	240 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	210 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 60' OF W 150' OF S 90' 8 G&A 2ND
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
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	Individual Name on Record
Mailing Address	210 E 16TH ST, SPENCER, IA 51301-4457
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 16, 2011 · Amount on Record
Deed Sale	Sep 16, 2011 · Amount on Record
Deed Document Number	20112348
Deed Book / Page	2011 / 2348
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 16TH ST, SPENCER, IA 51301-4457
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0926
Date	Apr 13, 2017
Book Page	2017/0926
Instrument	2017 0926

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 16TH ST, SPENCER, IA 51301-4457
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/926
Date	Apr 13, 2017
Book Page	2017/926
Instrument	0926

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	210 E 16TH ST, SPENCER, IA 51301-4457
Transaction Type	Mortgage
Record Updated	Dec 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 3229
Date	Dec 12, 2017
Book Page	2017/3229
Instrument	2017 3229

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$1,542.00 (-3.38%) Homeowner's exemption	$111,580 (+10.32%) Land $19,920 Building $91,660	$111,580 (+10.32%) Land $19,920 Building $91,660
2024	$1,596.00 (+6.68%)
2023		$101,140 (+17.85%) Land $13,940 Building $87,200	$101,140 (+17.85%) Land $13,940 Building $87,200
2022	$1,496.00 Homeowner's exemption	$85,820 Land $13,940 Building $71,880
2021			$85,820 Land $13,940 Building $71,880

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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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