527 E 16th St, Spencer, IA 51301 Property Records

Clay County property record for 527 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,158 sqft · built 1959
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$107,500 (Jun 2020)
Tax Bill	$2,572 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607205011`

Property Details

APN / Parcel Number

Primary APN	`963607205011`
Alternative APN	`64096360720501100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,158 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	600 sqft
Unfinished Basement	960 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Deck Area	192 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	527 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4616
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 3 ELMWOOD W 10' 12 3 ELMWOOD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELMWOOD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3019
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	527 E 16TH ST, SPENCER, IA 51301-4616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Jun 26, 2020	Condominium Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK
Jun 29, 2020	Condominium Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	20201833
Deed Book / Page	2020 / 1833
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	527 E 16TH ST, SPENCER, IA 51301-4616
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1831
Date	Jun 29, 2020
Book Page	2020/1831
Instrument	2020 1831

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CLAY IA
Recording Date	Jun 26, 2020
Property Address	527 E 16TH ST, SPENCER, IA 51301-4616
Document Number	2020/1829
Book / Page	2020 / 1829
Instrument Date	Jun 25, 2020
Instrument	2020 1829
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E 16TH ST, SPENCER, IA 51301-4616

Mortgage

Document Number	2020/1830
Date	Jun 29, 2020
Book Page	2020/1830
Instrument	2020 1830

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	CLAY IA
Recording Date	Jun 29, 2020
Property Address	527 E 16TH ST, SPENCER, IA 51301-4616
Document Number	02020/1833
Book / Page	2020 / 1833
Instrument Date	Jun 25, 2020
Instrument	2020 1833
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E 16TH ST, SPENCER, IA 51301-4616

Mortgage

Document Number	02020/1830
Date	Jun 29, 2020
Book Page	2020/1830
Instrument	2020 1830

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

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	$2,572.00 (+6.9%)	$167,930 (+11.78%) Land $35,200 Building $132,730	$167,930 (+11.78%) Land $35,200 Building $132,730
2024	$2,406.00 (+4.7%)
2023		$150,230 (+15.21%) Land $28,160 Building $122,070	$150,230 (+15.21%) Land $28,160 Building $122,070
2022	$2,298.00	$130,400 Land $28,160 Building $102,240
2021			$130,400 Land $28,160 Building $102,240

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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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