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

Clay County property record for 709 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,834 sqft · built 2002
Lot Size	0.301 acres (13,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$34,500 (Oct 2022)
Tax Bill	$3,422 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607276028`

Property Details

APN / Parcel Number

Primary APN	`963607276028`
Alternative APN	`68696360727602800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,834 sqft Living Area
1st Floor Area	1,114 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,125 sqft (0.301 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	10 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	709 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 FAIRVIEW COURT 1ST ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW COURT 1ST 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	2 Individual Names on Record
Mailing Address	709 E 13TH ST, SPENCER, IA 51301-4929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE BANK
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Apr 30, 2018	Deed of Trust, Mortgage STATE BANK
Apr 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Prior Sale	Apr 30, 2018 · Amount on Record
Deed Document Number	20222830
Deed Book / Page	2022 / 2830
Prior Transfer Date	Dec 20, 2011
Prior Transfer Doc	2011/3572
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	709 E 13TH ST, SPENCER, IA 51301-4929
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/253
Date	Feb 16, 2024
Book Page	2024/253
Instrument	2024 253

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	709 E 13TH ST, SPENCER, IA 51301-4929
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2617
Date	Nov 14, 2023
Book Page	2023/2617
Instrument	2023 2617

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	709 E 13TH ST, SPENCER, IA 51301-4929
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3035
Date	Sep 29, 2021
Book Page	2021/3035
Instrument	2021 3035

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	709 E 13TH ST, SPENCER, IA 51301-4929
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001056
Date	Apr 30, 2018
Book Page	0000002018/0000001056
Instrument	000000001056

Lender

Name	STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 30, 2018
Property Address	709 E 13TH ST, SPENCER, IA 51301-4929
Document Number	2018/1055
Book / Page	2018 / 1055
Instrument Date	Apr 7, 2018
Instrument	000000001055
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 E 13TH ST, SPENCER, IA 51301-4929

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	$3,422.00 (+2.95%) Homeowner's exemption	$234,410 (+7.6%) Land $28,740 Building $205,670	$234,410 (+7.6%) Land $28,740 Building $205,670
2024	$3,324.00 (+8.06%)
2023		$217,860 (+18.74%) Land $22,170 Building $195,690	$217,860 (+18.74%) Land $22,170 Building $195,690
2022	$3,076.00 Homeowner's exemption	$183,470 Land $22,170 Building $161,300
2021			$183,470 Land $22,170 Building $161,300

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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