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

Clay County property record for 407 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,328 sqft · built 1963
Lot Size	0.218 acres (9,514 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Dec 2020)
Tax Bill	$2,428 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607255009`

Property Details

APN / Parcel Number

Primary APN	`963607255009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,328 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	375 sqft
Unfinished Basement	1,064 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,514 sqft (0.218 acres)
Lot Dimensions	142 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	21 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4535
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 23.5' 9 4 FAIRVIEW ALL 10 4 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	3037
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	407 E 12TH ST, SPENCER, IA 51301-4535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Dec 5, 2006 · Amount on Record
Deed Document Number	20204013
Deed Book / Page	2020 / 4013
Prior Transfer Date	May 14, 2008
Prior Transfer Doc	2008/2022
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 17, 2020
Property Address	407 E 12TH ST, SPENCER, IA 51301-4535
Document Number	02020/4013
Book / Page	2020 / 4013
Instrument Date	Dec 7, 2020
Instrument	2020 4013
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E 12TH ST, SPENCER, IA 51301-4535

Mortgage

Document Number	02020/4014
Date	Dec 17, 2020
Book Page	2020/4014
Instrument	2020 4014

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

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	$2,428.00 (+6.4%) Homeowner's exemption	$169,400 (+10.91%) Land $26,800 Building $142,600	$169,400 (+10.91%) Land $26,800 Building $142,600
2024	$2,282.00 (+7.54%)
2023		$152,740 (+18.06%) Land $18,760 Building $133,980	$152,740 (+18.06%) Land $18,760 Building $133,980
2022	$2,122.00 Homeowner's exemption	$129,370 Land $18,760 Building $110,610
2021			$129,370 Land $18,760 Building $110,610

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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