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

Clay County property record for 721 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1963
Lot Size	0.233 acres (10,170 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Nov 2022)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	May 2026 Construction Loan Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607279006`

Property Details

APN / Parcel Number

Primary APN	`963607279006`
Alternative APN	`64096360727900600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	400 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,170 sqft (0.233 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	721 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4944
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 PRECHEL ADD.
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	PRECHEL ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
Census Tract	80200

Owner

721 E 12th St is owned and occupied by an individual who bought it in November 2022.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	721 E 12TH ST, SPENCER, IA 51301-4944
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY STATE BANK
Jan 30, 2026	Deed of Trust, Mortgage · Commercial Mortgage DLP BANK
Nov 30, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2022 · Amount on File
Deed Sale	Nov 30, 2022 · Amount on File
Deed Document Number	20223057
Deed Book / Page	2022 / 3057
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	May 19, 2026
Property Address	721 E 12TH ST, SPENCER, IA 51301-4944
Document Number	0000001205
Book / Page	2026 / 1205
Instrument Date	May 14, 2026
Instrument	20261205
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 E 12TH ST, SPENCER, IA 51301-4944

Mortgage

Document Number	0000001205,
Date	May 19, 2026
Book Page	2026/1205
Instrument	20261205

Lender

Name	COMMUNITY STATE BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 14, 2027

Interest

Rate	6.3%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	721 E 12TH ST, SPENCER, IA 51301-4944
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/265
Date	Jan 30, 2026
Book Page	2026/265
Instrument	2026 265

Lender

Name	DLP BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 26, 2027

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 30, 2022
Property Address	721 E 12TH ST, SPENCER, IA 51301-4944
Document Number	02022/3057
Book / Page	2022 / 3057
Instrument Date	Nov 28, 2022
Instrument	2022 3057
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 E 12TH ST, SPENCER, IA 51301-4944

Mortgage

Document Number	02022/3058
Date	Nov 30, 2022
Book Page	2022/3058
Instrument	2022 3058

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 721 E 12th St was $2,328 with a homeowner's exemption, up 5.8% from the year before.

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	$2,328.00 (+5.82%) Homeowner's exemption	$162,960 Land $28,480 Building $134,480	$162,960 Land $28,480 Building $134,480
2024	$2,200.00
2023		$147,610 Land $21,970 Building $125,640	$147,610 Land $21,970 Building $125,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 721 E 12th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 721 E 12th St is low, with less than a 0.01% annual chance of 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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