Clay County property record for 525 E 12th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 1,359 sqft · built 2023 |
| Lot Size | 0.525 acres (22,862 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,098 (2025) |
| Deeds & Mortgages | Oct 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607256016 |
| Primary APN | 963607256016 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,359 sqft Living Area |
| Basement Area | 588 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Other |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,862 sqft (0.525 acres) |
| Lot Dimensions | 142 ft deep x 161 ft wide |
| Garage Type | Attached |
| Garage Area | 1,600 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 525 E 12TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4829 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR ADJ E & 1-2 & 11 5 FAIRVIEW PARK |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | FAIRVIEW ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 80200 |
525 E 12th St, a single family home, is owned by two individuals.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1205 FAIRVIEW AVE, SPENCER, IA 51301-4837 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 525 E 12TH ST, SPENCER, IA 51301-4829 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02023/2378 |
|---|---|
| Date | Oct 18, 2023 |
| Book Page | 2023/2378 |
| Instrument | 2023 2378 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 525 E 12th St was $5,098, up 89% 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 | $5,098.00 (+88.95%) | $343,800 Land $51,520 Building $292,280 | $343,800 Land $51,520 Building $292,280 |
| 2024 | $2,698.00 | ||
| 2023 | $21,870 (-) Land $21,870 | $21,870 Land $21,870 | |
| 2022 | $386.00 | $21,870 Land $21,870 | |
| 2021 | $21,870 Land $21,870 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 E 12th 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 525 E 12th 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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