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

Clay County property record for 615 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1961
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$181,000 (Dec 2025)
Tax Bill	$2,584 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607253021`

Property Details

APN / Parcel Number

Primary APN	`963607253021`
Alternative APN	`64096360725302100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Basement Area	1,092 sqft
Finished Basement	475 sqft
Unfinished Basement	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	144 sqft
Patio Area	404 sqft
Shed	1 Shed
Shed Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	615 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 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

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	615 E 13TH ST, SPENCER, IA 51301-4833
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2025	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Aug 26, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2025 · Amount on Record
Deed Sale	Dec 3, 2025 · Amount on Record
Deed Document Number	20252837
Deed Book / Page	2025 / 2837
Prior Transfer Date	Aug 19, 2021
Prior Transfer Doc	02021/2693
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 3, 2025
Property Address	615 E 13TH ST, SPENCER, IA 51301-4833
Document Number	02025/2837
Book / Page	2025 / 2837
Instrument Date	Nov 25, 2025
Instrument	2025 2837
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 13TH ST, SPENCER, IA 51301-4833

Mortgage

Document Number	0020252838
Date	Dec 3, 2025
Instrument	2025 2838

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Aug 26, 2021
Property Address	615 E 13TH ST, SPENCER, IA 51301-4833
Document Number	02021/2693
Book / Page	2021 / 2693
Instrument Date	Aug 19, 2021
Instrument	2021 2693
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E 13TH ST, SPENCER, IA 51301-4833

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	$2,584.00 (+7.13%) Homeowner's exemption	$179,690 (+11.67%) Land $28,560 Building $151,130	$179,690 (+11.67%) Land $28,560 Building $151,130
2024	$2,412.00 (+7.58%)
2023		$160,910 (+18.19%) Land $19,990 Building $140,920	$160,910 (+18.19%) Land $19,990 Building $140,920
2022	$2,242.00 Homeowner's exemption	$136,150 Land $19,990 Building $116,160
2021			$136,150 Land $19,990 Building $116,160

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 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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