Clay County property record for 810 E 12th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 912 sqft · built 1958 |
| Lot Size | 0.187 acres (8,140 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,864 (2025) |
| Deeds & Mortgages | Feb 2024 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607281006 |
| Primary APN | 963607281006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Basement Area | 912 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,140 sqft (0.187 acres) |
| Lot Dimensions | 148 ft deep x 55 ft wide |
| Garage Type | Detached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 80 sqft |
| Patio Area | 416 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 810 E 12TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4945 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 15' 2 2 MORRIS MEADOWS E 40' 3 2 MORRIS MEADOWS |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | MORRIS MEADOWS |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 80200 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 810 E 12TH ST, SPENCER, IA 51301-4945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 810 E 12TH ST, SPENCER, IA 51301-4945 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 810 E 12TH ST, SPENCER, IA 51301-4945 |
| Document Number | 002024/265 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 2024/265 |
| Instrument | 2024 265 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2044 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,864.00 (+5.31%) Homeowner's exemption | $132,570 (+9.78%) Land $19,640 Building $112,930 | $132,570 (+9.78%) Land $19,640 Building $112,930 |
| 2024 | $1,770.00 (+7.53%) | ||
| 2023 | $120,760 (+18.01%) Land $15,150 Building $105,610 | $120,760 (+18.01%) Land $15,150 Building $105,610 | |
| 2022 | $1,646.00 Homeowner's exemption | $102,330 Land $15,150 Building $87,180 | |
| 2021 | $102,330 Land $15,150 Building $87,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures