923 E 12th St, Spencer, IA 51301 Property Records

Clay County property record for 923 E 12th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,064 sqft · built 1960
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Dec 2017)
Tax Bill	$2,108 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607280010`

Property Details

APN / Parcel Number

Primary APN	`963607280010`
Alternative APN	`64096360728001000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Mixed
Garage Area	572 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	923 E 12TH ST
City	SPENCER
State	IA
Zip	51301-4759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 60' 9 1 GRANDVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	GRANDVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3041
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	923 E 12TH ST, SPENCER, IA 51301-4759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK
Dec 15, 2017	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jan 24, 2017	Deed, Transfer · Conventional Mortgage LEIGHTON STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Prior Sale	Jan 24, 2017 · Amount on Record
Deed Document Number	20173286
Deed Book / Page	2017 / 3286
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	923 E 12TH ST, SPENCER, IA 51301-4759
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/416
Date	Feb 10, 2021
Book Page	2021/416
Instrument	2021 0416

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 15, 2017
Property Address	923 E 12TH ST, SPENCER, IA 51301-4759
Document Number	02017/3286
Book / Page	2017 / 3286
Instrument Date	Dec 15, 2017
Instrument	2017 3286
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	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E 12TH ST, SPENCER, IA 51301-4759

Mortgage

Document Number	02017/3287
Date	Dec 15, 2017
Book Page	2017/3287
Instrument	2017 3287

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Jan 24, 2017
Property Address	923 E 12TH ST, SPENCER, IA 51301-4759
Document Number	02017/0180
Book / Page	2017 / 0180
Instrument Date	Jan 23, 2017
Instrument	2017 0180
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1303 2ND AVE E, SPENCER, IA 51301-4427
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/0181
Date	Jan 24, 2017
Book Page	2017/0181
Instrument	2017 0181

Lender

Name	LEIGHTON STATE BANK
Type	Bank
Address	MILFORD, IA 51351

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,108.00 (+5.19%) Homeowner's exemption	$148,560 (+9.72%) Land $21,420 Building $127,140	$148,560 (+9.72%) Land $21,420 Building $127,140
2024	$2,004.00 (+7.74%)
2023		$135,400 (+18.24%) Land $16,520 Building $118,880	$135,400 (+18.24%) Land $16,520 Building $118,880
2022	$1,860.00 Homeowner's exemption	$114,510 Land $16,520 Building $97,990
2021			$114,510 Land $16,520 Building $97,990

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 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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