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Residential (General/Single)Residential
$109,487
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 76How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

528 E 12TH ST

SPENCER, IA 51301
1
Baths
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.

Valuation

$109K
$83K low$136K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$464 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$30,340 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$13,140
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$24,630
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$30,340

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.None
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Fairview Park Elementary SchoolB+
Elementary · Grades 1–2 · 0.3 mi
M
Spencer Middle SchoolB-
Middle · Grades 7–8 · 0.4 mi
H
Spencer High SchoolA-
High · Grades 9–12 · 0.7 mi

District: Spencer Community School District

Neighborhood · ZIP 51301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,070
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

528 E 12th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 80% of homes in Spencer 51301
  • Has a smaller lot than 93% of homes in Clay County
  • Newer than 91% of homes in Spencer 51301

What homes are worth in Spencer 51301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$52K$522K

This home is worth more than 20% of homes in Spencer 51301.

How it measures up in Spencer 51301

The dot is this home. The mark in the middle is the typical home in Spencer 51301.

Estimated value$109,487
CheaperTypical $170,433Pricier

Pricier than 20% of homes nearby

Lot size0.14 ac
SmallerTypical 0.23 acBigger

Bigger than 8% of homes nearby

Year built2003
OlderTypical 1958Newer

Newer than 91% of homes nearby

How 528 E 12th St ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$109,48720% of homes27% of homes
Lot sizebigger than0.14 ac8% of homes7% of homes
Year builtnewer than200391% of homes91% of homes

About 528 E 12th St

How much is 528 E 12th St, Spencer, IA worth?

The TopHap Estimate for 528 E 12th St, Spencer, IA is $109,487 as of Sep 24, 2026. The likely range is $83,090 to $135,884. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 528 E 12th St, Spencer, IA last sell?

528 E 12th St, Spencer, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 528 E 12th St, Spencer, IA?

528 E 12th St, Spencer, IA has 1 bathrooms and a 0.14-acre lot.

When was 528 E 12th St, Spencer, IA built?

528 E 12th St, Spencer, IA was built in 2003, making it 23 years old.

What schools serve 528 E 12th St, Spencer, IA?

528 E 12th St, Spencer, IA is assigned to Fairview Park Elementary School (elementary), rated B+; Spencer Middle School (middle), rated B-; Spencer High School (high), rated A-. All sit in Spencer Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 528 E 12th St, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than 20% of them ($109,487 against a typical $170,433), its lot is bigger than 8% of them (0.14 ac against a typical 0.23 ac) and it is newer than 91% of them (2003 against a typical 1958). Measured against all of Clay County, it is worth more than 27% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 528 E 12th St, Spencer, IA?

The 2025 property tax bill for 528 E 12th St, Spencer, IA was $464. The county assessed it at $30,340.

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