307 E 13th St, Spencer, IA 51301 Property Records

Clay County property record for 307 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 881 sqft · built 1935
Lot Size	0.14 acres (6,106 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Aug 2007)
Tax Bill	$940 (2025)
Deeds & Mortgages	Nov 2012 Mortgage Aug 2007 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607251008`

Property Details

APN / Parcel Number

Primary APN	`963607251008`
Alternative APN	`64096360725100800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	881 sqft Living Area
Basement Area	881 sqft
Unfinished Basement	881 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	142 ft deep x 43 ft wide
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	307 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 2 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3027
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	307 E 13TH ST, SPENCER, IA 51301-4537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2012	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK
Aug 22, 2007	Legal Action/Court Order, Foreclosure · Conventional Mortgage NORTHWEST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2007 · Amount on Record
Deed Sale	Aug 22, 2007 · Amount on Record
Deed Document Number	20072588
Deed Book / Page	2007 / 2588
Record Updated	Oct 29, 2026

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	307 E 13TH ST, SPENCER, IA 51301-4537
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/3467
Date	Nov 5, 2012
Book Page	2012/3467
Instrument	2012 3467

Lender

Name	FARMERS TRUST AND SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2042

August 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Aug 22, 2007
Property Address	307 E 13TH ST, SPENCER, IA 51301-4537
Document Number	02007/2588
Book / Page	2007 / 2588
Instrument Date	Aug 21, 2007
Instrument	2007 2588
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E 13TH ST, SPENCER, IA 51301-4537

Mortgage

Document Number	0020072589
Date	Aug 22, 2007
Instrument	2007 2589

Lender

Name	NORTHWEST FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2037

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	$940.00 (+6.58%) Homeowner's exemption	$72,320 (+10.68%) Land $17,200 Building $55,120	$72,320 (+10.68%) Land $17,200 Building $55,120
2024	$882.00 (+4.01%)
2023		$65,340 (+14.67%) Land $12,040 Building $53,300	$65,340 (+14.67%) Land $12,040 Building $53,300
2022	$848.00 Homeowner's exemption	$56,980 Land $12,040 Building $44,940
2021			$56,980 Land $12,040 Building $44,940

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

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	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 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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