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

Clay County property record for 723 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,108 sqft · built 1971
Lot Size	0.188 acres (8,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,500 (Apr 2022)
Tax Bill	$3,392 (2025)
Deeds & Mortgages	Apr 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607228010`

Property Details

APN / Parcel Number

Primary APN	`963607228010`
Alternative APN	`64096360722801000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Building Area	1,108 sqft Living Area
Basement Area	1,108 sqft
Finished Basement	900 sqft
Unfinished Basement	1,108 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,200 sqft (0.188 acres)
Lot Dimensions	100 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Deck Area	165 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	723 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 3 BALDWIN HEIGHTS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	BALDWIN HEIGHTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3022
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	723 E 16TH ST, SPENCER, IA 51301-4619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on Record
Deed Sale	Apr 7, 2022 · Amount on Record
Deed Document Number	2022870
Deed Book / Page	2022 / 870
Record Updated	Oct 29, 2026

April 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Apr 7, 2022
Property Address	723 E 16TH ST, SPENCER, IA 51301-4619
Document Number	002022/870
Book / Page	2022 / 870
Instrument Date	Apr 1, 2022
Instrument	2022 870
Transaction Type	Foreclosure
Record Updated	May 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	723 E 16TH ST, SPENCER, IA 51301-4619

Mortgage

Document Number	002022/871
Date	Apr 7, 2022
Book Page	2022/871
Instrument	2022 871

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

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	$3,392.00 (+3.29%)	$221,540 (+8.02%) Land $28,860 Building $192,680	$221,540 (+8.02%) Land $28,860 Building $192,680
2024	$3,284.00 (+7.67%)
2023		$205,090 (+18.47%) Land $23,090 Building $182,000	$205,090 (+18.47%) Land $23,090 Building $182,000
2022	$3,050.00 Homeowner's exemption	$173,110 Land $23,090 Building $150,020
2021			$173,110 Land $23,090 Building $150,020

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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