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517 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 517 E 12th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 816 sqft · built 1900
Lot Size0.14 acres (6,106 sqft)
OwnerIndividual Name on File
Last Sale$75,000 (Aug 2022)
Tax Bill$1,192 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963607256015

Property Details

APN / Parcel Number

Primary APN963607256015
Alternative APN
  • 64096360725601500

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area816 sqft Living Area
1st Floor Area720 sqft
Basement Area720 sqft
Unfinished Basement720 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialWood
Construction TypeWood
Roof TypeHip
Roof MaterialComposition Shingle
Lot Area6,106 sqft (0.14 acres)
Lot Dimensions142 ft deep x 43 ft wide
Garage TypeDetached
Garage Area240 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchPorch
Porch Area77 sqft
Patio Area49 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address517 E 12TH ST
CitySPENCER
StateIA
Zip51301-4829
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description3 5 FAIRVIEW
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionFAIRVIEW ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3038
Census Tract80200

Owner

517 E 12th St is owned and occupied by an individual who bought it in August 2022.

Source: Clay County records, as of September 1, 2026

Owner of RecordIndividual Name on File
Mailing Address517 E 12TH ST, SPENCER, IA 51301-4829
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 17, 2022 · Amount on File
Deed SaleAug 17, 2022 · Amount on File
Deed Document Number20222149
Deed Book / Page2022 / 2149
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateAug 17, 2022
Property Address517 E 12TH ST, SPENCER, IA 51301-4829
Document Number02022/2149
Book / Page2022 / 2149
Instrument DateAug 8, 2022
Instrument2022 2149
Transaction TypeTransfer
Record UpdatedJun 1, 2023

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$119.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address517 E 12TH ST, SPENCER, IA 51301-4829

Mortgage

Document Number02022/2150
DateAug 17, 2022
Book Page2022/2150
Instrument2022 2150
Lender
NameNORTHWEST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 1, 2052
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 517 E 12th St was $1,192 with a homeowner's exemption, up 9.4% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,192.00 (+9.36%) Homeowner's exemption$88,670 Land $17,200 Building $71,470$88,670 Land $17,200 Building $71,470
2024$1,090.00
2023$78,250 (+16.05%) Land $12,040 Building $66,210$78,250 Land $12,040 Building $66,210
2022$1,188.00$67,430 Land $12,040 Building $55,390
2021$67,430 Land $12,040 Building $55,390

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 517 E 12th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 517 E 12th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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