716 E 16th St, Spencer, IA 51301 Property Records

Clay County property record for 716 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,144 sqft · built 1960
Lot Size	0.255 acres (11,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Oct 2021)
Tax Bill	$2,864 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607229005`

Property Details

APN / Parcel Number

Primary APN	`963607229005`
Alternative APN	`64096360722900500`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Basement Area	1,144 sqft
Finished Basement	750 sqft
Unfinished Basement	1,144 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,120 sqft (0.255 acres)
Lot Dimensions	139 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	716 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 2 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	3023
Census Tract	80200

Owner

Source: Clay County records, as of October 19, 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	716 E 16TH ST, SPENCER, IA 51301-4618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 20, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Nov 12, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Aug 20, 2021 · Amount on Record
Deed Document Number	20213266
Deed Book / Page	2021 / 3266
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Sep 21, 2026
Property Address	716 E 16TH ST, SPENCER, IA 51301-4618
Document Number	0000002332
Book / Page	2026 / 2332
Instrument Date	Sep 16, 2026
Instrument	20262332
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 E 16TH ST, SPENCER, IA 51301-4618

Mortgage

Document Number	0000002332,
Date	Sep 21, 2026
Book Page	2026/2332
Instrument	20262332

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	716 E 16TH ST, SPENCER, IA 51301-4618
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3622
Date	Nov 18, 2021
Book Page	2021/3622
Instrument	2021 3622

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 20, 2021
Property Address	716 E 16TH ST, SPENCER, IA 51301-4618
Document Number	2021/2649
Book / Page	2021 / 2649
Instrument Date	Aug 9, 2021
Instrument	2021 2649
Transaction Type	Transfer
Record Updated	Sep 22, 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
Relationship	Joint Tenants
Address	716 E 16TH ST, SPENCER, IA 51301-4618

Mortgage

Document Number	2021/2650
Date	Aug 20, 2021
Book Page	2021/2650
Instrument	2021 2650

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 20, 2021
Property Address	716 E 16TH ST, SPENCER, IA 51301-4618
Document Number	2021/2648
Book / Page	2021 / 2648
Instrument Date	Aug 7, 2021
Instrument	2021 2648
Transaction Type	Transfer
Record Updated	Sep 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.20
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
Address	716 E 16TH ST, SPENCER, IA 51301-4618

Mortgage

Document Number	02021/2650
Date	Aug 20, 2021
Book Page	2021/2650
Instrument	2021 2650

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 12, 2020
Property Address	716 E 16TH ST, SPENCER, IA 51301-4618
Document Number	2020/3506
Book / Page	2020 / 3506
Instrument Date	Nov 9, 2020
Instrument	2020 3506
Transaction Type	Transfer
Record Updated	Oct 11, 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
Relationship	Tenants in Common

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	$2,864.00 (+5.22%) Homeowner's exemption	$206,910 (+9.64%) Land $32,000 Building $174,910	$206,910 (+9.64%) Land $32,000 Building $174,910
2024	$2,722.00 (+1.34%)
2023		$188,720 (+23.78%) Land $25,600 Building $163,120	$188,720 (+23.78%) Land $25,600 Building $163,120
2022	$2,686.00 Homeowner's exemption	$152,460 Land $25,600 Building $126,860
2021			$152,460 Land $25,600 Building $126,860

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 99.8% of the US · lower than 98.1% 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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