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

Clay County property record for 314 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,357 sqft · built 1916
Lot Size	0.138 acres (6,020 sqft)
Owner	2 Individual Names on Record
Last Sale	$151,000 (Jul 2026)
Tax Bill	$263 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607257004`

Property Details

APN / Parcel Number

Primary APN	`963607257004`
Alternative APN	`64096360725700400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,357 sqft Living Area
1st Floor Area	886 sqft
Attic	Attic
Attic Area	399 sqft
Basement Area	886 sqft
Unfinished Basement	886 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	192 sqft
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	314 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 8 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	3049
Census Tract	80200

Owner

Source: Clay County records, as of August 18, 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	3429 LOST CREEK LN SE, ALTOONA, IA 50009-2653
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage BANKERS TRUST COMPANY
Oct 2, 2025	Warranty Deed, Transfer
May 22, 2023	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Oct 2, 2025 · Amount on Record
Deed Document Number	20261722
Deed Book / Page	2026 / 1722
Prior Transfer Date	May 19, 2023
Prior Transfer Doc	002023/972
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 16, 2026
Property Address	314 E 12TH ST, SPENCER, IA 51301-4532
Document Number	0000001722
Book / Page	2026 / 1722
Instrument Date	Jul 13, 2026
Instrument	20261722
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,320.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3429 LOST CREEK LN SE, ALTOONA, IA 50009-2653

Mortgage

Document Number	0000001723,
Date	Jul 16, 2026
Instrument	20261723

Lender

Name	BANKERS TRUST COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 2, 2025
Property Address	314 E 12TH ST, SPENCER, IA 51301-4532
Document Number	02025/2344
Book / Page	2025 / 2344
Instrument Date	Sep 30, 2025
Instrument	2025 2344
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 E 12TH ST, SPENCER, IA 51301-4532

May 2023: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	May 22, 2023
Property Address	314 E 12TH ST, SPENCER, IA 51301-4532
Document Number	002023/972
Book / Page	2023 / 972
Instrument Date	May 19, 2023
Instrument	2023 972
Transaction Type	Foreclosure
Record Updated	Nov 24, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$263.00 (-2.95%) Disabled Person's exemption Senior Citizen's exemption	$74,070 (+14.75%) Land $17,200 Building $56,870	$74,070 (+14.75%) Land $17,200 Building $56,870
2024	$271.00 (+191.4%)
2023		$64,550 (+14.23%) Land $12,040 Building $52,510	$64,550 (+14.23%) Land $12,040 Building $52,510
2022	$93.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$56,510 Land $12,040 Building $44,470
2021			$56,510 Land $12,040 Building $44,470

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	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.

Nearby Properties on E 12th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures