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

Clay County property record for 407 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 680 sqft · built 1900
Lot Size	0.13 acres (5,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Dec 2025)
Tax Bill	$1,160 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607252008`

Property Details

APN / Parcel Number

Primary APN	`963607252008`
Alternative APN	`64096360725200800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	680 sqft Living Area
1st Floor Area	440 sqft
Basement Area	440 sqft
Unfinished Basement	440 sqft
Game Room	Game Room
Flooring	Softwood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,680 sqft (0.13 acres)
Lot Dimensions	142 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EXC. W 3' 9 1 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	3026
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	2 Individual Names on Record
Mailing Address	306 9TH ST SE, SPENCER, IA 51301-5454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Dec 29, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Deed Document Number	20252904
Deed Book / Page	2025 / 2904
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 10, 2025
Property Address	407 E 13TH ST, SPENCER, IA 51301-4539
Document Number	02025/2904
Book / Page	2025 / 2904
Instrument Date	Dec 8, 2025
Instrument	2025 2904
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
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	306 9TH ST SE, SPENCER, IA 51301-5454

Mortgage

Document Number	0020252905
Date	Dec 10, 2025
Instrument	2025 2905

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 29, 2021
Property Address	407 E 13TH ST, SPENCER, IA 51301-4539
Document Number	02021/4090
Book / Page	2021 / 4090
Instrument Date	Dec 7, 2021
Instrument	2021 4090
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$117.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E 13TH ST, SPENCER, IA 51301-4539

Mortgage

Document Number	02021/4091
Date	Dec 29, 2021
Book Page	2021/4091
Instrument	2021 4091

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

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	$1,160.00 (+9.43%) Homeowner's exemption	$86,650 (+13.39%) Land $16,000 Building $70,650	$86,650 (+13.39%) Land $16,000 Building $70,650
2024	$1,060.00 (+4.33%)
2023		$76,420 (+14.81%) Land $11,200 Building $65,220	$76,420 (+14.81%) Land $11,200 Building $65,220
2022	$1,016.00	$66,560 Land $11,200 Building $55,360
2021			$66,560 Land $11,200 Building $55,360

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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