802 E 13th St, Spencer, IA 51301 Property Records

Clay County property record for 802 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 768 sqft · built 1959
Lot Size	0.269 acres (11,726 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Jun 2022)
Tax Bill	$2,004 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607279001`

Property Details

APN / Parcel Number

Primary APN	`963607279001`
Alternative APN	`64096360727900100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Basement Area	768 sqft
Finished Basement	384 sqft
Unfinished Basement	384 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,726 sqft (0.269 acres)
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Patio
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	802 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 4 SYLVAN ACRES
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	SYLVAN ACRES
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	2 Individual Names on Record
Mailing Address	802 E 13TH ST, SPENCER, IA 51301-4947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL CU
Jun 2, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2022 · Amount on Record
Deed Sale	Jun 8, 2022 · Amount on Record
Prior Sale	Jun 2, 2020 · Amount on Record
Deed Document Number	20221501
Deed Book / Page	2022 / 1501
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2022
Property Address	802 E 13TH ST, SPENCER, IA 51301-4947
Document Number	02022/1501
Book / Page	2022 / 1501
Instrument Date	May 30, 2022
Instrument	2022 1501
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$226.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	802 E 13TH ST, SPENCER, IA 51301-4947

Mortgage

Document Number	02022/1502
Date	Jun 8, 2022
Book Page	2022/1502
Instrument	2022 1502

Lender

Name	FIRST FEDERAL CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 2, 2020
Property Address	802 E 13TH ST, SPENCER, IA 51301-4947
Document Number	2020/1476
Book / Page	2020 / 1476
Instrument Date	May 27, 2020
Instrument	2020 1476
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$173.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	802 E 13TH ST, SPENCER, IA 51301-4947

Mortgage

Document Number	2020147720201477
Date	Jun 2, 2020
Instrument	2020 147720201477

Lender

Name	NORTHWEST 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	$2,004.00 (+7.63%) Homeowner's exemption	$141,750 (+12%) Land $25,350 Building $116,400	$141,750 (+12%) Land $25,350 Building $116,400
2024	$1,862.00 (+5.56%)
2023		$126,560 (+16.13%) Land $19,550 Building $107,010	$126,560 (+16.13%) Land $19,550 Building $107,010
2022	$1,764.00 Homeowner's exemption	$108,980 Land $19,550 Building $89,430
2021			$108,980 Land $19,550 Building $89,430

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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