Clay County property record for 511 E 16th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,257 sqft · built 1959 |
| Lot Size | 0.207 acres (9,000 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607205009 |
| Primary APN | 963607205009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,257 sqft Living Area |
| 1st Floor Area | 1,177 sqft |
| Basement Area | 1,177 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 1,177 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1959 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,000 sqft (0.207 acres) |
| Lot Dimensions | 100 ft deep x 90 ft wide |
| Garage Type | Attached |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 114 sqft |
| Patio Area | 54 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 511 E 16TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9 3 ELMWOOD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | ELMWOOD ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 80200 |
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 | 511 E 16TH ST, SPENCER, IA 51301-4616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 511 E 16TH ST, SPENCER, IA 51301-4616 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02021/1674 |
|---|---|
| Date | May 28, 2021 |
| Book Page | 2021/1674 |
| Instrument | 2021 1674 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,126.00 (+5.18%) Homeowner's exemption | $215,020 (+9.79%) Land $31,680 Building $183,340 | $215,020 (+9.79%) Land $31,680 Building $183,340 |
| 2024 | $2,972.00 (+6.14%) | ||
| 2023 | $195,840 (+16.73%) Land $25,340 Building $170,500 | $195,840 (+16.73%) Land $25,340 Building $170,500 | |
| 2022 | $2,800.00 Homeowner's exemption | $167,770 Land $25,340 Building $142,430 | |
| 2021 | $167,770 Land $25,340 Building $142,430 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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