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

Clay County property record for 315 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Triplex
Details	6 bd · 4 ba · 2,502 sqft · built 1920
Lot Size	0.28 acres (12,212 sqft)
Owner	Company Name on File
Last Sale	$119,000 (Jul 2023)
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607251009`

Property Details

APN / Parcel Number

Primary APN	`963607251009`
Alternative APN	`64096360725100900`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,502 sqft Total Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	600 sqft
Unfinished Basement	1,008 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Triplex
Exterior Material	Baked Enamel
Construction Type	Frame
Roof Type	Flat
Lot Area	12,212 sqft (0.28 acres)
Lot Dimensions	142 ft deep x 86 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	315 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4537
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	11-12 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

315 E 13th St, a triplex, is owned by a company that acquired it in February 2026.

Source: Clay County records, as of September 1, 2026

Owner of Record	Company Name on File
Mailing Address	1102 SANBORN AVE, MILFORD, IA 51351
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Warranty Deed, Transfer · Commercial Mortgage JACKSON FEDERAL SAVINGS & LOAN
Mar 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Sep 18, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK
Dec 11, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage LIBERTY NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Prior Sale	Sep 18, 2019 · Amount on File
Deed Document Number	20231341
Deed Book / Page	2023 / 1341
Last Transfer Date	Feb 12, 2026
Transfer Doc	0000000377
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 3, 2023
Property Address	315 E 13TH ST, SPENCER, IA 51301-4548
Document Number	02023/1341
Book / Page	2023 / 1341
Instrument Date	Jun 29, 2023
Instrument	2023 1341
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 AVENUE D E, LAKE PARK, IA 51347-7723

Mortgage

Document Number	02023/1342
Date	Jul 3, 2023
Book Page	2023/1342
Instrument	2023 1342

Lender

Name	JACKSON FEDERAL SAVINGS & LOAN
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2038

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	315 E 13TH ST, SPENCER, IA 51301-4548
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/604
Date	Mar 15, 2019
Book Page	2019/604
Instrument	604

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 18, 2019
Property Address	315 E 13TH ST, SPENCER, IA 51301-4548
Document Number	02019/2443
Book / Page	2019 / 2443
Instrument Date	Sep 16, 2019
Instrument	2443
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 W 11TH ST, SPENCER, IA 51301-3520

Mortgage

Document Number	02019/2444
Date	Sep 18, 2019
Book Page	2019/2444
Instrument	2444

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 11, 2017
Property Address	315 E 13TH ST, SPENCER, IA 51301-4548
Document Number	2017/3210
Book / Page	2017 / 3210
Instrument Date	Nov 29, 2017
Instrument	2017 3210
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3615 300TH AVE, DICKENS, IA 51333-7534
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/3211
Date	Dec 11, 2017
Book Page	2017/3211
Instrument	2017 3211

Lender

Name	LIBERTY NATIONAL BANK
Type	Bank
Address	OKOBOJI, IA 51355

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	59 Months
Due	Nov 29, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 315 E 13th St was $1,676, down 14% from the year before.

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	$1,676.00 (-13.96%)	$109,450 Land $14,620 Building $94,830	$109,450 Land $14,620 Building $94,830
2024	$1,948.00
2023		$103,120 (+19.24%) Land $15,140 Building $87,980	$103,120 Land $15,140 Building $87,980
2022	$1,524.00	$86,480 Land $15,140 Building $71,340
2021			$86,480 Land $15,140 Building $71,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 E 13th St in Zone X, an area of minimal flood risk.

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

The area around 315 E 13th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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