Clay County property record for 518 E 13th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1970 |
| Lot Size | 0.194 acres (8,460 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Nov 2025) |
| Tax Bill | $2,558 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Nov 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607256005 |
| Primary APN | 963607256005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| Basement Area | 952 sqft |
| Finished Basement | 400 sqft |
| Unfinished Basement | 952 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 8,460 sqft (0.194 acres) |
| Lot Dimensions | 141 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 518 E 13TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6 5 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 | 3038 |
| Census Tract | 80200 |
518 E 13th St is owned and occupied by an individual who bought it in November 2025.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 518 E 13TH ST, SPENCER, IA 51301-4830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK |
| Nov 24, 2025 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on File |
| Deed Sale | Nov 24, 2025 · Amount on File |
| Deed Document Number | 20252766 |
| Deed Book / Page | 2025 / 2766 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 518 E 13TH ST, SPENCER, IA 51301-4830 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 002021/505 |
|---|---|
| Date | Feb 17, 2021 |
| Book Page | 2021/505 |
| Instrument | 2021 0505 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 24, 2025 |
| Property Address | 518 E 13TH ST, SPENCER, IA 51301-4830 |
| Document Number | 02025/2766 |
| Book / Page | 2025 / 2766 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025 2766 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $287.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 518 E 13TH ST, SPENCER, IA 51301-4830 |
The 2025 property tax bill for 518 E 13th St was $2,558 with a homeowner's exemption, up 6.3% from the year before.
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 | $2,558.00 (+6.32%) Homeowner's exemption | $177,890 Land $24,000 Building $153,890 | $177,890 Land $24,000 Building $153,890 |
| 2024 | $2,406.00 | ||
| 2023 | $160,530 (+17.48%) Land $16,800 Building $143,730 | $160,530 Land $16,800 Building $143,730 | |
| 2022 | $2,250.00 Homeowner's exemption | $136,650 Land $16,800 Building $119,850 | |
| 2021 | $136,650 Land $16,800 Building $119,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 518 E 13th St in Zone X, an area of minimal flood risk.
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 risk around 518 E 13th St is low, with less than a 0.01% annual chance of 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.
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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