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

Clay County property record for 612 E 13th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 960 sqft · built 1961
Lot Size0.194 acres (8,460 sqft)
Owner2 Individual Names on Record
Last Sale$154,000 (Sep 2025)
Tax Bill$1,850 (2025)
Deeds & MortgagesDec 2025 Line of Credit
Sep 2025 Sale
Flood ZoneZone X (minimal risk)
APN963607256009

Property Details

APN / Parcel Number

Primary APN963607256009
Alternative APN
  • 64096360725600900

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area960 sqft Living Area
Basement Area960 sqft
Finished Basement250 sqft
Unfinished Basement960 sqft
FlooringHardwood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1961
Effective Year BuiltEffective 1961
Architectural StyleRanch
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialShingle
Lot Area8,460 sqft (0.194 acres)
Lot Dimensions141 ft deep x 60 ft wide
Garage TypeDetached
Garage Area780 sqft
Parking Spaces3 Parking Spaces
Deck Area48 sqft
Patio Area48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address612 E 13TH ST
CitySPENCER
StateIA
Zip51301-4832
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description2 5 FAIRVIEW PARK
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionFAIRVIEW PARK ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3038
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address612 E 13TH ST, SPENCER, IA 51301-4832
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 24, 2025Deed of Trust, Mortgage · Line of Credit
FARMERS TRUST & SAVINGS BANK
Sep 2, 2025Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2025 · Amount on Record
Deed SaleSep 2, 2025 · Amount on Record
Deed Document Number20252064
Deed Book / Page2025 / 2064
Record UpdatedOct 29, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address612 E 13TH ST, SPENCER, IA 51301-4832
Transaction TypeMortgage
Record UpdatedJan 19, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number02025/3024
DateDec 24, 2025
Book Page2025/3024
Instrument2025 3024
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
AddressSPENCER, IA 51301
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueJan 25, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateSep 2, 2025
Property Address612 E 13TH ST, SPENCER, IA 51301-4832
Document Number02025/2064
Book / Page2025 / 2064
Instrument DateAug 26, 2025
Instrument2025 2064
Transaction TypeTransfer
Record UpdatedOct 20, 2025

Transaction

AmountAmount Recorded
Tax$245.60
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address612 E 13TH ST, SPENCER, IA 51301-4832

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,850.00 (+33.29%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$155,240 (+10.87%) Land $24,000 Building $131,240$155,240 (+10.87%) Land $24,000 Building $131,240
2024$1,388.00 (-9.28%)
2023$140,020 (+18.01%) Land $16,800 Building $123,220$140,020 (+18.01%) Land $16,800 Building $123,220
2022$1,530.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption$118,650 Land $16,800 Building $101,850
2021$118,650 Land $16,800 Building $101,850

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 97% of the US · lower than 76% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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