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

Clay County property record for 722 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,504 sqft · built 1962
Lot Size	0.223 acres (9,730 sqft)
Owner	2 Individual Names on Record
Last Sale	$194,500 (Sep 2019)
Tax Bill	$4,058 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607229006`

Property Details

APN / Parcel Number

Primary APN	`963607229006`
Alternative APN	`64096360722900600`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
1st Floor Area	704 sqft
Basement Area	704 sqft
Finished Basement	400 sqft
Unfinished Basement	704 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,730 sqft (0.223 acres)
Lot Dimensions	139 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	604 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	72 sqft
Deck Area	256 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	722 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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 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	722 E 16TH ST, SPENCER, IA 51301-4618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2017	Deed of Trust, Mortgage · Commercial Mortgage FARMERS TRUST & SAVINGS BANK
Sep 5, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Oct 14, 2011 · Amount on Record
Deed Document Number	20192337
Deed Book / Page	2019 / 2337
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	722 E 16TH ST, SPENCER, IA 51301-4618
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/074
Date	Jan 12, 2017
Book Page	2017/074
Instrument	2017 0074

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 5, 2019
Property Address	722 E 16TH ST, SPENCER, IA 51301-4618
Document Number	2019/2337
Book / Page	2019 / 2337
Instrument Date	Sep 4, 2019
Instrument	2337
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	722 E 16TH ST, SPENCER, IA 51301-4618
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/2338
Date	Sep 5, 2019
Book Page	2019/2338
Instrument	2338

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

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	$4,058.00 (+4.48%) Homeowner's exemption	$275,830 (+9.12%) Land $28,000 Building $247,830	$275,830 (+9.12%) Land $28,000 Building $247,830
2024	$3,884.00 (+7.17%)
2023		$252,780 (+17.8%) Land $22,400 Building $230,380	$252,780 (+17.8%) Land $22,400 Building $230,380
2022	$3,624.00 Homeowner's exemption	$214,580 Land $22,400 Building $192,180
2021			$214,580 Land $22,400 Building $192,180

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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