It was rather variable. I'm under the impression that, as with aerial bombing in later wars, it was frequently more 'impressive' than 'effective.' As you say, spotters were a vital link that was sometimes missing.
Below New Orleans, when Porter's mortar boats were bombarding the forts (principally Fort Jackson), they were initially fairly accurate, when they had a clear sight-line to the fort. However, once Confederate gunners from the fort found the range to them, the mortar boats were pulled back and mostly fired blind. Farragut eventually tired of this, and had a spotter posted to signal by a flag if a mortar round landed inside or outside the fort-- when the "outsides" clearly outnumbered the "insides," it was the last straw, and Farragut gave the orders to run upriver past the forts.