313 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 313 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1920
Lot Size	0.28 acres (12,212 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jul 2026)
Tax Bill	$1,920 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607254011`

Property Details

APN / Parcel Number

Primary APN	`963607254011`
Alternative APN	`64096360725401100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Basement Area	884 sqft
Finished Basement	425 sqft
Unfinished Basement	884 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,212 sqft (0.28 acres)
Lot Dimensions	142 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Patio Area	224 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10-11 3 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	3036
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	313 E 12TH ST, SPENCER, IA 51301-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Dec 19, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Aug 18, 2017	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2026 · Amount on Record
Deed Sale	Jul 27, 2026 · Amount on Record
Prior Sale	Jul 17, 2014 · Amount on Record
Deed Document Number	20261832
Deed Book / Page	2026 / 1832
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 27, 2026
Property Address	313 E 12TH ST, SPENCER, IA 51301-4533
Document Number	0000001832
Book / Page	2026 / 1832
Instrument Date	Jul 17, 2026
Instrument	20261832
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26,583.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E 12TH ST, SPENCER, IA 51301-4533

Mortgage

Document Number	0000001833,
Date	Jul 27, 2026
Book Page	2026/1833
Instrument	20261833

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	313 E 12TH ST, SPENCER, IA 51301-4533
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2312
Date	Aug 3, 2020
Book Page	2020/2312
Instrument	2020 2312

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 19, 2022
Property Address	313 E 12TH ST, SPENCER, IA 51301-4533
Document Number	02022/3206
Book / Page	2022 / 3206
Instrument Date	Nov 25, 2022
Instrument	2022 3206
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.40
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 with Right of Survivorship
Address	313 E 12TH ST, SPENCER, IA 51301-4533

Mortgage

Document Number	02022/3207
Date	Dec 19, 2022
Book Page	2022/3207
Instrument	2022 3207

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2020
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year CMT
Max Rate	11.5%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 18, 2017
Property Address	313 E 12TH ST, SPENCER, IA 51301-4533
Document Number	02017/2189
Book / Page	2017 / 2189
Instrument Date	Aug 18, 2017
Instrument	2017 2189
Transaction Type	Transfer
Record Updated	Jan 18, 2023

Transaction

Amount	Amount Recorded
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	313 E 12TH ST, SPENCER, IA 51301-4533

Mortgage

Document Number	02017/2190
Date	Aug 18, 2017
Book Page	2017/2190
Instrument	2017 2190

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

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

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	$1,920.00 (-3.95%) Homeowner's exemption	$136,300 (+12.32%) Land $34,400 Building $101,900	$136,300 (+12.32%) Land $34,400 Building $101,900
2024	$1,999.00 (+13.9%)
2023		$121,350 (+26.31%) Land $24,080 Building $97,270	$121,350 (+26.31%) Land $24,080 Building $97,270
2022	$1,755.00 Homeowner's exemption	$96,070 Land $24,080 Building $71,990
2021			$96,070 Land $24,080 Building $71,990

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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