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

Clay County property record for 409 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 600 sqft · built 1947
Lot Size	0.14 acres (6,106 sqft)
Owner	Company Name on Record
Last Sale	$40,000 (Sep 2011)
Tax Bill	$1,222 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607252009`

Property Details

APN / Parcel Number

Primary APN	`963607252009`
Alternative APN	`64096360725200900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	600 sqft Living Area
Basement Area	150 sqft
Unfinished Basement	150 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Other
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,106 sqft (0.14 acres)
Lot Dimensions	142 ft deep x 43 ft wide
Garage Type	Attached
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Deck Area	112 sqft
Patio Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	409 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 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	Company Name on Record
Mailing Address	1309 8TH AVE SW, SPENCER, IA 51301-5521
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jan 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 2, 2011	Legal Action/Court Order, Foreclosure · Conventional Mortgage THE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2011 · Amount on Record
Deed Sale	Sep 2, 2011 · Amount on Record
Deed Document Number	20112237
Deed Book / Page	2011 / 2237
Last Transfer Date	Jun 2, 2022
Transfer Doc	0000001513
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	409 E 13TH ST, SPENCER, IA 51301-4539
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002017/094
Date	Jan 13, 2017
Book Page	2017/094
Instrument	2017 0094

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	409 E 13TH ST, SPENCER, IA 51301-4539
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/094
Date	Jan 13, 2017
Book Page	2017/094
Instrument	2017 0094

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

September 2011: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Sep 2, 2011
Property Address	409 E 13TH ST, SPENCER, IA 51301-4539
Document Number	02011/2237
Book / Page	2011 / 2237
Instrument Date	Aug 31, 2011
Instrument	2011 2237
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2515 410TH ST, GREENVILLE, IA 51343-8026

Mortgage

Document Number	0020112238
Date	Sep 2, 2011
Instrument	2011 2238

Lender

Name	THE STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Aug 30, 2016

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	$1,222.00 (+9.3%)	$79,780 (+14.3%) Land $17,200 Building $62,580	$79,780 (+14.3%) Land $17,200 Building $62,580
2024	$1,118.00 (+4.88%)
2023		$69,800 (+15.43%) Land $12,040 Building $57,760	$69,800 (+15.43%) Land $12,040 Building $57,760
2022	$1,066.00	$60,470 Land $12,040 Building $48,430
2021			$60,470 Land $12,040 Building $48,430

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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