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

Clay County property record for 817 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 912 sqft · built 1959
Lot Size	0.202 acres (8,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Oct 2025)
Tax Bill	$1,826 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607277004`

Property Details

APN / Parcel Number

Primary APN	`963607277004`
Alternative APN	`64096360727700400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Basement Area	912 sqft
Unfinished Basement	912 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	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,820 sqft (0.202 acres)
Lot Dimensions	147 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	35 sqft
Deck Area	80 sqft
Patio Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	817 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 2 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	PO BOX 135, LAKE VIEW, IA 51450-0135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 27, 2025	Warranty Deed, Transfer
Sep 30, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Sep 30, 2020 · Amount on Record
Deed Document Number	20252552
Deed Book / Page	2025 / 2552
Prior Transfer Date	Oct 25, 2007
Prior Transfer Doc	02007/3254
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	817 E 13TH ST, SPENCER, IA 51301-4948
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/963
Date	Mar 30, 2021
Book Page	2021/963
Instrument	2021 963

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 27, 2025
Property Address	817 E 13TH ST, SPENCER, IA 51301-4948
Document Number	02025/2552
Book / Page	2025 / 2552
Instrument Date	Oct 27, 2025
Instrument	2025 2552
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Tax	$159.20
Amount Accuracy	Rounded by County
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	PO BOX 135, LAKE VIEW, IA 51450-0135

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 30, 2020
Property Address	817 E 13TH ST, SPENCER, IA 51301-4948
Document Number	02020/2990
Book / Page	2020 / 2990
Instrument Date	Aug 15, 2020
Instrument	2020 2990
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$114.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E 13TH ST, SPENCER, IA 51301-4948

Mortgage

Document Number	2020299120202991
Date	Sep 30, 2020
Instrument	2020 299120202991

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	$1,826.00 (+7.41%) Homeowner's exemption	$130,080 (+11.69%) Land $21,210 Building $108,870	$130,080 (+11.69%) Land $21,210 Building $108,870
2024	$1,700.00 (+5.99%)
2023		$116,470 (+16.49%) Land $16,360 Building $100,110	$116,470 (+16.49%) Land $16,360 Building $100,110
2022	$1,604.00 Homeowner's exemption	$99,980 Land $16,360 Building $83,620
2021			$99,980 Land $16,360 Building $83,620

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 98% of the US · lower than 82% 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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