819 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 819 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 896 sqft · built 1958
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,924 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607279012`

Property Details

APN / Parcel Number

Primary APN	`963607279012`
Alternative APN	`64096360727901200`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	896 sqft Living Area
Basement Area	896 sqft
Finished Basement	325 sqft
Unfinished Basement	896 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	75 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	819 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 1 1 MORRIS MEADOWS S 1/2 OF E 20' 2 1 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

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	819 E 12TH ST, SPENCER, IA 51301-4946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 29, 2017
Property Address	819 E 12TH ST, SPENCER, IA 51301-4946
Document Number	02017/2309
Book / Page	2017 / 2309
Instrument Date	Aug 25, 2017
Instrument	2017 2309
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	819 E 12TH ST, SPENCER, IA 51301-4946

Mortgage

Document Number	02017/2310
Date	Aug 29, 2017
Book Page	2017/2310
Instrument	2017 2310

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$1,924.00 (+6.18%) Homeowner's exemption	$136,580 (+10.72%) Land $25,550 Building $111,030	$136,580 (+10.72%) Land $25,550 Building $111,030
2024	$1,812.00 (+6.71%)
2023		$123,360 (+17.23%) Land $19,710 Building $103,650	$123,360 (+17.23%) Land $19,710 Building $103,650
2022	$1,698.00 Homeowner's exemption	$105,230 Land $19,710 Building $85,520
2021			$105,230 Land $19,710 Building $85,520

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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