708 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 708 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 880 sqft · built 2002
Lot Size	0.592 acres (25,800 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Oct 2023)
Tax Bill	$2,176 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607276039`

Property Details

APN / Parcel Number

Primary APN	`963607276039`
Alternative APN	`68696360727603900`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	25,800 sqft (0.592 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	708 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 FAIRVIEW COURT 2ND ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW COURT 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
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	708 E 12TH ST, SPENCER, IA 51301-4943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
May 25, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Aug 8, 2019	Warranty Deed, Transfer · FHA Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	May 25, 2021 · Amount on Record
Deed Document Number	20232490
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 31, 2023
Property Address	708 E 12TH ST, SPENCER, IA 51301-4943
Document Number	02023/2490
Book / Page	2023 / 2490
Instrument Date	Oct 27, 2023
Instrument	2023 2490
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 E 12TH ST, SPENCER, IA 51301-4943

Mortgage

Document Number	0020232491
Date	Oct 31, 2023
Instrument	2023 2491

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 25, 2021
Property Address	708 E 12TH ST, SPENCER, IA 51301-4943
Document Number	2021/1616
Book / Page	2021 / 1616
Instrument Date	May 4, 2021
Instrument	2021 1616
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	708 E 12TH ST, SPENCER, IA 51301-4943

Mortgage

Document Number	2021161720211617
Date	May 25, 2021
Instrument	2021 161720211617

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 8, 2019
Property Address	708 E 12TH ST, SPENCER, IA 51301-4943
Document Number	2019/2057
Book / Page	2019 / 2057
Instrument Date	Aug 1, 2019
Instrument	2057
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	708 E 12TH ST, SPENCER, IA 51301-4943

Mortgage

Document Number	2019/2058
Date	Aug 8, 2019
Book Page	2019/2058
Instrument	2058

Lender

Name	CENTRAL BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$2,176.00 (+4.92%)	$142,090 (+11.25%) Land $27,470 Building $114,620	$142,090 (+11.25%) Land $27,470 Building $114,620
2024	$2,074.00 (+8.02%)
2023		$127,720 (+17.17%) Land $21,190 Building $106,530	$127,720 (+17.17%) Land $21,190 Building $106,530
2022	$1,920.00	$109,000 Land $21,190 Building $87,810
2021			$109,000 Land $21,190 Building $87,810

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	Not rated no burnable land within 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 451 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	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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