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

Clay County property record for 813 E 16th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 924 sqft · built 1971
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$1,000 (Dec 2023)
Tax Bill	$2,900 (2025)
Deeds & Mortgages	May 2006 Line of Credit Nov 2005 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607228012`

Property Details

APN / Parcel Number

Primary APN	`963607228012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	924 sqft Living Area
Basement Area	924 sqft
Finished Basement	824 sqft
Unfinished Basement	924 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	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	813 E 16TH ST
City	SPENCER
State	IA
Zip	51301-4621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 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	Individual Name on Record
Mailing Address	813 E 16TH ST, SPENCER, IA 51301-4621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2006	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 28, 2005	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Jun 23, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2023 · Amount on Record
Deed Sale	Dec 21, 2023 · Amount on Record
Prior Sale	Jun 23, 2023 · Amount on Record
Deed Document Number	20232890
Prior Transfer Date	Dec 12, 2023
Prior Transfer Doc	0000002890
Record Updated	Oct 29, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	813 E 16TH ST, SPENCER, IA 51301-4621
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/1693
Date	May 30, 2006
Book Page	2006/1693
Instrument	2006 1693

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Mar 29, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	813 E 16TH ST, SPENCER, IA 51301-4621
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02005/4111
Date	Nov 28, 2005
Book Page	2005/4111
Instrument	2005 4111

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2015

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 23, 2023
Property Address	813 E 16TH ST, SPENCER, IA 51301-4621
Document Number	02023/1251
Book / Page	2023 / 1251
Instrument Date	Jun 21, 2023
Instrument	2023 1251
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 E 16TH ST, SPENCER, IA 51301-4621

Mortgage

Document Number	0020231252
Date	Jun 23, 2023
Instrument	2023 1252

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

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	$2,900.00 (+3.87%) Homeowner's exemption	$200,230 (+8.47%) Land $28,160 Building $172,070	$200,230 (+8.47%) Land $28,160 Building $172,070
2024	$2,792.00 (+1.53%)
2023		$184,590 (+18.24%) Land $22,530 Building $162,060	$184,590 (+18.24%) Land $22,530 Building $162,060
2022	$2,750.00	$156,110 Land $22,530 Building $133,580
2021			$156,110 Land $22,530 Building $133,580

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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