1519 10th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1519 10th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,920 sqft · built 2013
Lot Size	1.82 acres (79,645 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,730 (2025)
Deeds & Mortgages	May 2022 Mortgage Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607232035`

Property Details

APN / Parcel Number

Primary APN	`963607232035`
Alternative APN	`68696360723203500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Basement Area	1,920 sqft
Finished Basement	1,500 sqft
Unfinished Basement	420 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	79,645 sqft (1.82 acres)
Garage Type	Mixed
Garage Area	1,416 sqft
Parking Spaces	5 Parking Spaces
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Geothermal
Water Source	Commercial

Location & Zoning

Street Address	1519 10TH AVE E
City	SPENCER
State	IA
Zip	51301-4711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 STAEDTLER'S FIRST ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	STAEDTLER FIRST ADDN
Legal Lot Number	1
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
Census Tract	80200

Owner

1519 10th Ave E is owned and occupied by two individuals.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage IDAHO HOUSING & FINANCE ASSN
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Oct 31, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Dec 20, 2023	Sheriff's Deed, Foreclosure
May 18, 2020	Special Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1136
Date	May 4, 2022
Book Page	2022/1136
Instrument	2022 1136

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1755
Date	Jun 22, 2020
Book Page	2020/1755
Instrument	2020 1755

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2489
Date	Oct 31, 2023
Book Page	2023/2489
Instrument	2023 2489

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IA
Recording Date	Dec 20, 2023
Property Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Document Number	02023/2881
Book / Page	2023 / 2881
Instrument Date	Dec 20, 2023
Instrument	2023 2881
Transaction Type	Foreclosure
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 10TH AVE E, SPENCER, IA 51301-4711

May 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 18, 2020
Property Address	1519 10TH AVE E, SPENCER, IA 51301-4711
Document Number	02020/1271
Book / Page	2020 / 1271
Instrument Date	May 7, 2020
Instrument	2020 1271
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 10TH AVE E, SPENCER, IA 51301-4711

Mortgage

Document Number	02020/1272
Date	May 18, 2020
Book Page	2020/1272
Instrument	2020 1272

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1519 10th Ave E was $6,730 with a homeowner's exemption, up 7.1% from the year before.

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	$6,730.00 (+7.1%) Homeowner's exemption	$450,380 Land $82,120 Building $368,260	$450,380 Land $82,120 Building $368,260
2024	$6,284.00
2023		$432,340 (+16.53%) Land $68,980 Building $363,360	$432,340 Land $68,980 Building $363,360
2022	$6,380.00 Homeowner's exemption	$371,000 Land $68,980 Building $302,020
2021			$371,000 Land $68,980 Building $302,020

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1519 10th Ave E in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1519 10th Ave E is low, with less than a 0.01% annual chance of 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	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 363 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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