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

Clay County property record for 820 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,513 sqft · built 1900
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Feb 2020)
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Aug 2023 Sale Feb 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607279005`

Property Details

APN / Parcel Number

Primary APN	`963607279005`
Alternative APN	`64096360727900500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,513 sqft Living Area
1st Floor Area	848 sqft
Attic	Attic
Attic Area	297 sqft
Basement Area	848 sqft
Finished Basement	154 sqft
Unfinished Basement	848 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	150 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	782 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	356 sqft
Deck Area	40 sqft
Patio Area	56 sqft
Shed	1 Shed
Shed Area	238 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	820 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 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	820 E 13TH ST, SPENCER, IA 51301-4947
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2023	Warranty Deed, Transfer
Feb 20, 2020	Deed, Transfer
Apr 8, 2019	Executor's Deed, Transfer · ARM NORTHWEST BANK
Apr 8, 2019	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Apr 8, 2019 · Amount on Record
Deed Document Number	2020454
Deed Book / Page	2020 / 454
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 8, 2023
Property Address	820 E 13TH ST, SPENCER, IA 51301-4947
Document Number	02023/1679
Book / Page	2023 / 1679
Instrument Date	Feb 18, 2020
Instrument	2023 1679
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$127.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 E 13TH ST, SPENCER, IA 51301-4947

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Feb 20, 2020
Property Address	820 E 13TH ST, SPENCER, IA 51301-4947
Document Number	002020/454
Book / Page	2020 / 454
Instrument Date	Feb 18, 2020
Instrument	454
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

April 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Apr 8, 2019
Property Address	820 E 13TH ST, SPENCER, IA 51301-4947
Document Number	002019/819
Book / Page	2019 / 819
Instrument Date	Mar 28, 2019
Instrument	819
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 356, SPENCER, IA 51301-0356

Mortgage

Document Number	2019/820
Date	Apr 8, 2019
Book Page	2019/820
Instrument	820

Lender

Name	NORTHWEST BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Index	1-Year CMT

April 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Apr 8, 2019
Property Address	820 E 13TH ST, SPENCER, IA 51301-4947
Document Number	002019/819
Book / Page	2019 / 819
Instrument Date	Mar 28, 2019
Instrument	819
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 356, SPENCER, IA 51301-0356

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	$1,772.00 (+7%) Homeowner's exemption	$126,610 (+11.42%) Land $24,280 Building $102,330	$126,610 (+11.42%) Land $24,280 Building $102,330
2024	$1,656.00 (-3.5%)
2023		$113,630 (+16.69%) Land $18,730 Building $94,900	$113,630 (+16.69%) Land $18,730 Building $94,900
2022	$1,716.00 (+9.3%)	$97,380 Land $18,730 Building $78,650
2021	$1,570.00		$97,380 Land $18,730 Building $78,650

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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