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

Clay County property record for 509 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,706 sqft · built 1968
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,500 (Jun 2019)
Tax Bill	$3,296 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607253015`

Property Details

APN / Parcel Number

Primary APN	`963607253015`
Alternative APN	`64096360725301500`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,706 sqft Living Area
1st Floor Area	440 sqft
Basement Area	1,066 sqft
Finished Basement	300 sqft
Unfinished Basement	1,066 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Shingles
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	294 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	100 sqft
Patio Area	469 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	509 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 4 FAIRVIEW PARK
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW PARK ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3025
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	509 E 13TH ST, SPENCER, IA 51301-4831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 4, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	20191398
Deed Book / Page	2019 / 1398
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	509 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/104
Date	Jan 13, 2021
Book Page	2021/104
Instrument	2021 0104

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 4, 2019
Property Address	509 E 13TH ST, SPENCER, IA 51301-4831
Document Number	2019/1398
Book / Page	2019 / 1398
Instrument Date	May 23, 2019
Instrument	1398
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
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	509 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	02019/1399
Date	Jun 4, 2019
Book Page	2019/1399
Instrument	1399

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	$3,296.00 (+5.37%)	$215,270 (+10.18%) Land $24,480 Building $190,790	$215,270 (+10.18%) Land $24,480 Building $190,790
2024	$3,128.00 (+6.68%)
2023		$195,380 (+17.38%) Land $17,140 Building $178,240	$195,380 (+17.38%) Land $17,140 Building $178,240
2022	$2,932.00	$166,450 Land $17,140 Building $149,310
2021			$166,450 Land $17,140 Building $149,310

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	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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