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

Clay County property record for 919 E 13th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 2017
Lot Size	0.233 acres (10,143 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,756 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage May 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607278010`

Property Details

APN / Parcel Number

Primary APN	`963607278010`
Alternative APN	`64096360727801000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Basement Area	1,960 sqft
Unfinished Basement	1,960 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,143 sqft (0.233 acres)
Lot Dimensions	147 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Deck Area	209 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	919 E 13TH ST
City	SPENCER
State	IA
Zip	51301-4761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 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	919 E 13TH ST, SPENCER, IA 51301-4761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY STATE BANK
May 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY STATE BANK
Nov 7, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 6, 2019
Transfer Doc	2019/2978
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	919 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2342
Date	Oct 16, 2023
Book Page	2023/2342
Instrument	2023 2342

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Dec 10, 2028

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	919 E 13TH ST, SPENCER, IA 51301-4761
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1329
Date	May 29, 2019
Book Page	2019/1329
Instrument	1329

Lender

Name	COMMUNITY STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2024

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 7, 2019
Property Address	919 E 13TH ST, SPENCER, IA 51301-4761
Document Number	2019/2978
Book / Page	2019 / 2978
Instrument Date	Nov 6, 2019
Instrument	2978
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	919 E 13TH ST, SPENCER, IA 51301-4761

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	$3,756.00 (+2.29%) Homeowner's exemption	$256,110 (+14.43%) Land $24,390 Building $231,720	$256,110 (+14.43%) Land $24,390 Building $231,720
2024	$3,672.00 (+16.5%)
2023		$223,810 (+19.18%) Land $18,820 Building $204,990	$223,810 (+19.18%) Land $18,820 Building $204,990
2022	$3,152.00 Homeowner's exemption	$187,790 Land $18,820 Building $168,970
2021			$187,790 Land $18,820 Building $168,970

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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