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

Clay County property record for 325 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 668 sqft · built 1900
Lot Size	0.14 acres (6,106 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Mar 2026)
Tax Bill	$358 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607254014`

Property Details

APN / Parcel Number

Primary APN	`963607254014`
Alternative APN	`64096360725401400`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	668 sqft Living Area
1st Floor Area	428 sqft
Basement Area	428 sqft
Unfinished Basement	428 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	142 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	325 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 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 October 9, 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	325 E 12TH ST, SPENCER, IA 51301-4533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage LEIGHTON STATE BANK
May 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage LEIGHTON STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Jun 9, 2023 · Amount on Record
Deed Document Number	2026707
Deed Book / Page	2026 / 707
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	325 E 12TH ST, SPENCER, IA 51301-4533
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1068
Date	Apr 28, 2017
Book Page	2017/1068
Instrument	1068

Lender

Name	LEIGHTON STATE BANK
Type	Bank
Address	FOSTORIA, IA 51340

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	325 E 12TH ST, SPENCER, IA 51301-4533
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1264
Date	May 17, 2017
Book Page	2017/1264
Instrument	1264

Lender

Name	LEIGHTON STATE BANK
Type	Bank
Address	FOSTORIA, IA 51340

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$358.00 (+17.76%)	$23,360 (+23.14%) Land $8,600 Building $14,760	$23,360 (+23.14%) Land $8,600 Building $14,760
2024	$304.00 (+3.4%)
2023		$18,970 (+13.52%) Land $6,020 Building $12,950	$18,970 (+13.52%) Land $6,020 Building $12,950
2022	$294.00	$16,710 Land $6,020 Building $10,690
2021			$16,710 Land $6,020 Building $10,690

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.

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