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

Clay County property record for 816 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 798 sqft · built 1960
Lot Size	0.2 acres (8,700 sqft)
Owner	Individual Name on Record
Tax Bill	$1,916 (2025)
Deeds & Mortgages	May 2019 Refinance Mar 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607279004`

Property Details

APN / Parcel Number

Primary APN	`963607279004`
Alternative APN	`64096360727900400`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	798 sqft Living Area
Basement Area	798 sqft
Unfinished Basement	798 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	80 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	816 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 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	Individual Name on Record
Mailing Address	922 E 15TH ST, SPENCER, IA 51301-4732
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Mar 29, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	816 E 13TH ST, SPENCER, IA 51301-4947
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1274
Date	May 22, 2019
Book Page	2019/1274
Instrument	1274

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 29, 2019
Property Address	816 E 13TH ST, SPENCER, IA 51301-4947
Document Number	2019/741
Book / Page	2019 / 741
Instrument Date	Jun 2, 2016
Instrument	741
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 E 15TH ST, SPENCER, IA 51301-4732

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	$1,916.00 (+5.27%)	$125,080 (+10.06%) Land $20,710 Building $104,370	$125,080 (+10.06%) Land $20,710 Building $104,370
2024	$1,820.00 (+7.06%)
2023		$113,650 (+17.8%) Land $15,970 Building $97,680	$113,650 (+17.8%) Land $15,970 Building $97,680
2022	$1,700.00	$96,480 Land $15,970 Building $80,510
2021			$96,480 Land $15,970 Building $80,510

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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