115 E 19th St, Spencer, IA 51301 Property Records

Clay County property record for 115 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,484 sqft · built 1955
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$183,000 (May 2020)
Tax Bill	$3,348 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606380013`

Property Details

APN / Parcel Number

Primary APN	`963606380013`
Alternative APN	`64096360638001300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Basement Area	1,484 sqft
Finished Basement	625 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360638001300
Street Address	115 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	2 2 BULLOCK'S ADD
Legal Range	36
Legal Township	17
Legal Section	06
Legal Subdivision	BULLOCKS ADDITION
Legal Lot Number	2
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	115 E 19TH ST, SPENCER, IA 51301-2336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on Record
Deed Sale	May 6, 2020 · Amount on Record
Deed Document Number	2020 1166
Deed Book / Page	2020 / 1166
Record Updated	Jun 8, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 6, 2020
Property Address	115 E 19TH ST, SPENCER, IA 51301-2336
Document Number	02020/1166
Book / Page	2020 / 1166
Instrument Date	Apr 24, 2020
Instrument	2020 1166
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 E 19TH ST, SPENCER, IA 51301-2336

Mortgage

Document Number	02020/1167
Date	May 6, 2020
Book Page	2020/1167
Instrument	2020 1167

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$247,870 (+8.82%) Land $40,000 Building $207,870	$247,870 (+8.82%) Land $40,000 Building $207,870
2024	$3,348.00 (+4.56%)
2023		$227,780 (+17.42%) Land $32,000 Building $195,780	$227,780 (+17.42%) Land $32,000 Building $195,780
2022	$3,202.00 Homeowner's exemption	$193,990 Land $32,000 Building $161,990
2021			$193,990 Land $32,000 Building $161,990

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Direct burnable vegetation

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 326 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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