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

Clay County property record for 515 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,156 sqft · built 1969
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$220,500 (May 2026)
Tax Bill	$3,050 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2005 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`963607253016`

Property Details

APN / Parcel Number

Primary APN	`963607253016`
Alternative APN	`64096360725301600`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,012 sqft
Basement Area	1,012 sqft
Finished Basement	400 sqft
Unfinished Basement	1,012 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Vinyl
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	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Deck Area	152 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	515 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 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	Individual Name on Record
Mailing Address	515 E 13TH ST, SPENCER, IA 51301-4831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Oct 28, 2005	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Dec 3, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Feb 22, 2012	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage SAVINGS BANK
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage SAVINGS BANK
Dec 2, 2020	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Dec 2, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 23, 2015	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	Dec 2, 2020 · Amount on Record
Deed Document Number	20261109
Deed Book / Page	2026 / 1109
Prior Transfer Date	Nov 23, 2020
Prior Transfer Doc	02020/3823
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2807
Date	Dec 1, 2025
Book Page	2025/2807
Instrument	2025 2807

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/3773
Date	Oct 28, 2005
Book Page	2005/3773
Instrument	2005 3773

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Jul 22, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/3846
Date	Dec 3, 2012
Book Page	2012/3846
Instrument	2012 3846

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2028

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	Jun 25, 2026
Title Company	CHICAGO TITLE SERVICELINK DIV, CHICAGO TITLE SERVICELINK DI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/0508
Date	Feb 22, 2012
Book Page	2012/0508
Instrument	2012 0508

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2027

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 7, 2026
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Document Number	0000001109
Book / Page	2026 / 1109
Instrument Date	May 1, 2026
Instrument	20261109
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,552.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	0000001110,
Date	May 7, 2026
Instrument	20261110

Lender

Name	SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 7, 2026
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Document Number	02026/1109
Book / Page	2026 / 1109
Instrument Date	May 1, 2026
Instrument	20261109
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35,552.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	0000001110,
Date	May 7, 2026
Instrument	20261110

Lender

Name	SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 2, 2020
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Document Number	02020/3818
Book / Page	2020 / 3818
Instrument Date	Dec 1, 2020
Instrument	2020 3823
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	515 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	0020203824
Date	Dec 2, 2020
Instrument	2020 3824

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Dec 2, 2020
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Document Number	02020/3823
Book / Page	2020 / 3823
Instrument Date	Nov 23, 2020
Instrument	2020 3826
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1805 W 4TH ST, SPENCER, IA 51301-3000
Investor	Possibly a Property Investor

March 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 23, 2015
Property Address	515 E 13TH ST, SPENCER, IA 51301-4831
Document Number	02015/0767
Book / Page	2015 / 0767
Instrument Date	Mar 10, 2015
Instrument	2015 0767
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	0002015768
Date	Mar 23, 2015
Instrument	2015768

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2045

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	$3,050.00 (+5.46%) Homeowner's exemption	$210,050 (+10.07%) Land $24,480 Building $185,570	$210,050 (+10.07%) Land $24,480 Building $185,570
2024	$2,892.00 (+8.15%)
2023		$190,830 (+18.75%) Land $17,140 Building $173,690	$190,830 (+18.75%) Land $17,140 Building $173,690
2022	$2,674.00 Homeowner's exemption	$160,700 Land $17,140 Building $143,560
2021			$160,700 Land $17,140 Building $143,560

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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