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

Clay County property record for 909 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1962
Lot Size	0.233 acres (10,143 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Jul 2023)
Tax Bill	$2,586 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607278008`

Property Details

APN / Parcel Number

Primary APN	`963607278008`
Alternative APN	`64096360727800800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	325 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,143 sqft (0.233 acres)
Lot Dimensions	147 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	764 sqft
Parking Spaces	3 Parking Spaces
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	909 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 3 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	3040
Census Tract	80200

Owner

909 E 13th St is owned and occupied by two individuals who bought it in July 2023.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	909 E 13TH ST, SPENCER, IA 51301-4761
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2023 · Amount on File
Deed Sale	Jul 10, 2023 · Amount on File
Prior Sale	Mar 27, 2007 · Amount on File
Deed Document Number	20231417
Deed Book / Page	2023 / 1417
Prior Transfer Date	Mar 14, 2007
Prior Transfer Doc	02007/0853
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 25, 2023
Property Address	909 E 13TH ST, SPENCER, IA 51301-4761
Document Number	02023/1570
Book / Page	2023 / 1570
Instrument Date	Jul 19, 2023
Instrument	2023 1570
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.20
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	909 E 13TH ST, SPENCER, IA 51301-4761

Mortgage

Document Number	02023/1571
Date	Jul 25, 2023
Book Page	2023/1571
Instrument	2023 1571

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 909 E 13th St was $2,586 with a homeowner's exemption, up 6.2% from the year before.

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	$2,586.00 (+6.24%) Homeowner's exemption	$179,790 Land $24,390 Building $155,400	$179,790 Land $24,390 Building $155,400
2024	$2,434.00
2023		$162,270 (+17.01%) Land $18,820 Building $143,450	$162,270 Land $18,820 Building $143,450
2022	$2,286.00 Homeowner's exemption	$138,680 Land $18,820 Building $119,860
2021			$138,680 Land $18,820 Building $119,860

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 909 E 13th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 909 E 13th St is low, with less than a 0.01% annual chance of 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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