13 E 17th St, Spencer, IA 51301 Property Records

Clay County property record for 13 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,650 sqft · built 1920
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on Record
Tax Bill	$784 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607127006`

Property Details

APN / Parcel Number

Primary APN	`963607127006`
Alternative APN	`64096360712700600`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	894 sqft
Basement Area	894 sqft
Unfinished Basement	894 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	140 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	416 sqft
Carport	Carport
Carport Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	13 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 55' OF SE 2 G & A
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3007
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	13 E 17TH ST, SPENCER, IA 51301-4350
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jul 24, 2026
Property Address	13 E 17TH ST, SPENCER, IA 51301-4350
Document Number	0000001804
Book / Page	2026 / 1804
Instrument Date	Jul 20, 2026
Instrument	20261804
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 E 17TH ST, SPENCER, IA 51301-4350

Mortgage

Document Number	0000001804,
Date	Jul 24, 2026
Book Page	2026/1804
Instrument	20261804

Lender

Name	FARMERS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$784.00 (+32.43%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$83,870 (+22.99%) Land $22,000 Building $61,870	$83,870 (+22.99%) Land $22,000 Building $61,870
2024	$592.00 (+3.86%)
2023		$68,190 (+12.27%) Land $17,600 Building $50,590	$68,190 (+12.27%) Land $17,600 Building $50,590
2022	$570.00 Homeowner's exemption	$60,740 Land $17,600 Building $43,140
2021			$60,740 Land $17,600 Building $43,140

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
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	Not rated no burnable land within 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 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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