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

Clay County property record for 312 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,112 sqft · built 1973
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,732 (2025)
Deeds & Mortgages	Apr 2007 Line of Credit Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607206009`

Property Details

APN / Parcel Number

Primary APN	`963607206009`
Alternative APN	`64096360720600900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,112 sqft Total Area
Basement Area	1,112 sqft
Finished Basement	525 sqft
Unfinished Basement	1,112 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Duplex Single
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	60 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	176 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	312 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4560
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	22 4 TRIPP
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3016
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	1909 18TH AVE W, SPENCER, IA 51301-2742
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2007	Deed of Trust, Mortgage · Line of Credit FARMERS TRSUT AND SAVINGS BANK
Nov 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

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

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	312 E 16TH ST, SPENCER, IA 51301-4560
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02007/0933
Date	Apr 3, 2007
Book Page	2007/0933
Instrument	2007 0933

Lender

Name	FARMERS TRSUT AND SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 1, 2021
Property Address	312 E 16TH ST, SPENCER, IA 51301-4560
Document Number	02021/3415
Book / Page	2021 / 3415
Instrument Date	Nov 1, 2021
Instrument	2021 3415
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$501.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1519 W 11TH ST, SPENCER, IA 51301-2913

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	$3,732.00 (-8.82%)	$243,650 (+10.07%) Land $26,040 Building $217,610	$243,650 (+10.07%) Land $26,040 Building $217,610
2024	$4,093.00 (+5.95%)
2023		$221,360 (+19.23%) Land $18,230 Building $203,130	$221,360 (+19.23%) Land $18,230 Building $203,130
2022	$3,863.00	$185,660 Land $18,230 Building $167,430
2021			$185,660 Land $18,230 Building $167,430

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	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 363 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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