913 E 15th St, Spencer, IA 51301 Property Records

Clay County property record for 913 E 15th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,556 sqft · built 1964
Lot Size	0.389 acres (16,960 sqft)
Owner	Individual Name on Record
Tax Bill	$4,432 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607232036`

Property Details

APN / Parcel Number

Primary APN	`963607232036`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	825 sqft
Unfinished Basement	952 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,960 sqft (0.389 acres)
Garage Type	Detached
Garage Area	1,696 sqft
Parking Spaces	7 Parking Spaces
Deck Area	234 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	913 E 15TH ST
City	SPENCER
State	IA
Zip	51301-4733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 ELL-MOR COURT & 5 FAIRVIEW COURT 3RD ADDITION & TRI TR NE 7-96-36 L & I
Legal Subdivision	ELL-MOR COURT ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
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	913 E 15TH ST, SPENCER, IA 51301-4733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 15TH ST, SPENCER, IA 51301-4733
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2515
Date	Aug 6, 2021
Book Page	2021/2515
Instrument	2021 2515

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$4,432.00 (+5.27%)	$289,460 (+17.57%) Land $38,340 Building $251,120	$289,460 (+17.57%) Land $38,340 Building $251,120
2024	$4,210.00 (+14.34%)
2023		$246,210 (+17.8%) Land $29,580 Building $216,630	$246,210 (+17.8%) Land $29,580 Building $216,630
2022	$3,682.00 Homeowner's exemption	$209,010 Land $29,580 Building $179,430
2021			$209,010 Land $29,580 Building $179,430

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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