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

Clay County property record for 603 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,161 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Apr 2022)
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Feb 2019 Refinance Apr 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607205012`

Property Details

APN / Parcel Number

Primary APN	`963607205012`
Alternative APN	`64096360720501200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,161 sqft Living Area
Basement Area	1,161 sqft
Finished Basement	650 sqft
Unfinished Basement	1,161 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	15 sqft
Patio Area	154 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	603 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 90' 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

603 E 16th St is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Mailing Address	603 E 16TH ST, SPENCER, IA 51301-4617
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
Feb 26, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 8, 2022	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE
Jul 20, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 20, 2021	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2022 · Amount on File
Deed Sale	Apr 8, 2022 · Amount on File
Prior Sale	Jul 20, 2021 · Amount on File
Deed Document Number	2022885
Deed Book / Page	2022 / 885
Prior Transfer Date	Jul 18, 2021
Prior Transfer Doc	2021/2297
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	603 E 16TH ST, SPENCER, IA 51301-4617
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/461
Date	Feb 26, 2019
Book Page	2019/461
Instrument	461

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 8, 2022
Property Address	603 E 16TH ST, SPENCER, IA 51301-4617
Document Number	002022/885
Book / Page	2022 / 885
Instrument Date	Apr 6, 2022
Instrument	2022 885
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 18TH ST, SPIRIT LAKE, IA 51360-1548

Mortgage

Document Number	002022/886
Date	Apr 8, 2022
Book Page	2022/886
Instrument	2022 886

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Jul 20, 2021
Property Address	603 E 16TH ST, SPENCER, IA 51301-4617
Document Number	2021/2297
Book / Page	2021 / 2297
Instrument Date	Jul 18, 2021
Instrument	2021 2297
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E 16TH ST, SPENCER, IA 51301-4617

July 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jul 20, 2021
Property Address	603 E 16TH ST, SPENCER, IA 51301-4617
Document Number	2021/2296
Book / Page	2021 / 2296
Instrument Date	Jul 9, 2021
Instrument	2021 2296
Transaction Type	Foreclosure
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$207.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 E 16TH ST, SPENCER, IA 51301-4617

Tax Assessment & Valuation

The 2025 property tax bill for 603 E 16th St was $2,738 with a homeowner's exemption, up 5.4% 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	$2,738.00 (+5.39%) Homeowner's exemption	$198,680 Land $31,680 Building $167,000	$198,680 Land $31,680 Building $167,000
2024	$2,598.00
2023		$180,980 (+42.05%) Land $25,340 Building $155,640	$180,980 Land $25,340 Building $155,640
2022	$2,028.00	$127,410 Land $25,340 Building $102,070
2021			$127,410 Land $25,340 Building $102,070

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

Flood

FEMA maps place 603 E 16th 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 603 E 16th 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 99.8% of the US · lower than 98.1% 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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