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

Clay County property record for 709 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 880 sqft · built 2002
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$9,875 (May 2021)
Deeds & Mortgages	Apr 2018 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607276038`

Property Details

APN / Parcel Number

Primary APN	`963607276038`
Alternative APN	`68696360727603800`

Interior

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

Exterior

Year Built	Built 2002
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68696360727603800
Street Address	709 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4944
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	3 FAIRVEIW COURT 2ND ADDITION
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	FAIRVIEW COURT 2ND ADDITION
Legal Lot Number	3
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 29, 2025

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	709 E 12TH ST, SPENCER, IA 51301-4944
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2018	Deed of Trust, Mortgage NORTHWEST BANK
May 11, 2021	Warranty Deed, Transfer · VA Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	May 28, 2008 · Amount on Record
Deed Document Number	2021 1442
Deed Book / Page	2021 / 1442
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	709 E 12TH ST, SPENCER, IA 51301-4944
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000873
Date	Apr 11, 2018
Book Page	0000002018/0000000873
Instrument	000000000873

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 11, 2021
Property Address	709 E 12TH ST, SPENCER, IA 51301-4944
Document Number	2021/1442
Book / Page	2021 / 1442
Instrument Date	May 5, 2021
Instrument	2021 1442
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E 12TH ST, SPENCER, IA 51301-4944

Mortgage

Document Number	2021144320211443
Date	May 11, 2021
Instrument	2021 144320211443

Lender

Name	FREEDOM MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$136,660 (+9.61%) Land $25,940 Building $110,720	$136,660 (+9.61%) Land $25,940 Building $110,720
2023		$124,680 (+17.3%) Land $20,010 Building $104,670	$124,680 (+17.3%) Land $20,010 Building $104,670
2022	Homeowner's exemption	$106,290 Land $20,010 Building $86,280
2021			$106,290 Land $20,010 Building $86,280

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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