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

Clay County property record for 712 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	0.339 acres (14,758 sqft)
Owner	Individual Name on Record
Last Sale	$124,500 (Jun 2020)
Tax Bill	$2,158 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607276040`

Property Details

APN / Parcel Number

Primary APN	`963607276040`

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	14,758 sqft (0.339 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	712 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 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	1301 BLACK BEAR DR, WENTZVILLE, MO 63385-3353
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2020 · Amount on Record
Deed Sale	Jun 29, 2020 · Amount on Record
Prior Sale	Jun 16, 2006 · Amount on Record
Deed Document Number	20201852
Deed Book / Page	2020 / 1852
Prior Transfer Date	Oct 26, 2011
Prior Transfer Doc	2011/2952
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 29, 2020
Property Address	712 E 12TH ST, SPENCER, IA 51301-4943
Document Number	2020/1852
Book / Page	2020 / 1852
Instrument Date	Jun 23, 2020
Instrument	2020 1852
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$198.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E 12TH ST, SPENCER, IA 51301-4943

Mortgage

Document Number	2020185320201853
Date	Jun 29, 2020
Instrument	2020 185320201853

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,158.00 (+4.76%)	$140,920 (+9.49%) Land $27,210 Building $113,710	$140,920 (+9.49%) Land $27,210 Building $113,710
2024	$2,060.00 (+6.4%)
2023		$128,700 (+17.12%) Land $20,990 Building $107,710	$128,700 (+17.12%) Land $20,990 Building $107,710
2022	$1,936.00	$109,890 Land $20,990 Building $88,900
2021			$109,890 Land $20,990 Building $88,900

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 231 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: GigFire, Nextlink, Verizon.

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