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

Clay County property record for 523 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,012 sqft · built 1969
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,346 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607253018`

Property Details

APN / Parcel Number

Primary APN	`963607253018`
Alternative APN	`64096360725301800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
Basement Area	1,012 sqft
Finished Basement	425 sqft
Unfinished Basement	1,012 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
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	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	16 sqft
Deck Area	63 sqft
Patio Area	275 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	523 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17 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

523 E 13th St is owned and occupied by two individuals who acquired it in November 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	523 E 13TH ST, SPENCER, IA 51301-4831
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 3, 2011
Transfer Doc	0000002991
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	523 E 13TH ST, SPENCER, IA 51301-4831
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2643
Date	Oct 7, 2022
Book Page	2022/2643
Instrument	2022 2643

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	9.62%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 18, 2022
Property Address	523 E 13TH ST, SPENCER, IA 51301-4831
Document Number	02022/2991
Book / Page	2022 / 2991
Instrument Date	Oct 29, 2015
Instrument	2022 2991
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 E 13TH ST, SPENCER, IA 51301-4831

Mortgage

Document Number	02022/2992
Date	Nov 18, 2022
Book Page	2022/2992
Instrument	2022 2992

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.62%
Index	1-Year CMT
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 523 E 13th St was $2,346 with a homeowner's exemption, up 6.4% from the year before.

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	$2,346.00 (+6.44%) Homeowner's exemption	$164,090 Land $24,480 Building $139,610	$164,090 Land $24,480 Building $139,610
2024	$2,204.00
2023		$147,950 Land $17,140 Building $130,810	$147,950 Land $17,140 Building $130,810
2022	$2,048.00

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

Flood

FEMA maps place 523 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

Wildfire risk around 523 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.

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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