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

Clay County property record for 913 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1962
Lot Size	0.233 acres (10,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Oct 2025)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	May 2019 Refinance Mar 2008 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607278009`

Property Details

APN / Parcel Number

Primary APN	`963607278009`
Alternative APN	`64096360727800900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	550 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Carpet
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	Hip
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	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	78 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	913 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 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

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	913 E 13TH ST, SPENCER, IA 51301-4761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Mar 6, 2008	Deed of Trust, Mortgage · Conventional Mortgage COUNTRYWIDE BANK FSB
Dec 7, 2009	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 10, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 6, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
May 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FLANAGAN STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2025 · Amount on Record
Deed Sale	Oct 6, 2025 · Amount on Record
Prior Sale	May 31, 2019 · Amount on Record
Deed Document Number	20252362
Deed Book / Page	2025 / 2362
Prior Transfer Date	Oct 3, 2025
Prior Transfer Doc	0000002351
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1289
Date	May 23, 2019
Book Page	2019/1289
Instrument	1289

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02008/0630
Date	Mar 6, 2008
Book Page	2008/0630
Instrument	2008 0630

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2038

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02009/3870
Date	Dec 7, 2009
Book Page	2009/3870
Instrument	2009 3870

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2039

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/3119
Date	Oct 10, 2012
Book Page	2012/3119
Instrument	2012 3119

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2042

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 6, 2025
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Document Number	02025/2362
Book / Page	2025 / 2362
Instrument Date	Oct 2, 2025
Instrument	2025 2362
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.00
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	913 E 13TH ST, SPENCER, IA 51301-4761

Mortgage

Document Number	0020252363
Date	Oct 6, 2025
Instrument	2025 2363

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	02025/2370
Date	Oct 6, 2025
Book Page	2025/2370
Instrument	2025 2370

Lender

Name	IOWA FINANCE AUTHORITY
Type	Government Agency
Address	DES MOINES, IA 50315

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 31, 2019
Property Address	913 E 13TH ST, SPENCER, IA 51301-4761
Document Number	02019/1355
Book / Page	2019 / 1355
Instrument Date	May 22, 2019
Instrument	1355
Transaction Type	Transfer
Record Updated	Nov 24, 2025

Transaction

Amount	Amount Recorded
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	913 13TH ST, SPIRIT LAKE, IA 51360

Mortgage

Document Number	02019/1356
Date	May 31, 2019
Book Page	2019/1356
Instrument	1356

Lender

Name	FLANAGAN STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$2,526.00 (+6.76%) Homeowner's exemption	$175,800 (+11.22%) Land $24,390 Building $151,410	$175,800 (+11.22%) Land $24,390 Building $151,410
2024	$2,366.00 (+6.29%)
2023		$158,070 (+16.92%) Land $18,820 Building $139,250	$158,070 (+16.92%) Land $18,820 Building $139,250
2022	$2,226.00 Homeowner's exemption	$135,190 Land $18,820 Building $116,370
2021			$135,190 Land $18,820 Building $116,370

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
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

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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