19 E 25th St, Spencer, IA 51301 Property Records

Clay County property record for 19 E 25th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 1,380 sqft · built 2005
Lot Size	0.296 acres (12,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,500 (Sep 2006)
Tax Bill	$4,052 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606178005`

Property Details

APN / Parcel Number

Primary APN	`963606178005`
Alternative APN	`68296360617800500`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Basement Area	1,380 sqft
Finished Basement	1,266 sqft
Unfinished Basement	1,380 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,880 sqft (0.296 acres)
Lot Dimensions	161 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	256 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	19 E 25TH ST
City	SPENCER
State	IA
Zip	51301-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9 1 BULLOCK'S HIGHLAND ACRES
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCK HIGHLAND ACRES
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 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	19 E 25TH ST, SPENCER, IA 51301-2101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2006 · Amount on Record
Deed Sale	Sep 22, 2006 · Amount on Record
Deed Document Number	20062938
Deed Book / Page	2006 / 2938
Prior Transfer Date	Sep 20, 2006
Prior Transfer Doc	0000002938
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 5, 2023
Property Address	19 E 25TH ST, SPENCER, IA 51301-2101
Document Number	02023/1979
Book / Page	2023 / 1979
Instrument Date	Aug 23, 2023
Instrument	2023 1979
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	19 E 25TH ST, SPENCER, IA 51301-2101

Mortgage

Document Number	0020231980
Date	Sep 5, 2023
Instrument	2023 1980

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Sep 1, 2030
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	11%

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	$4,052.00 (+2.17%) Homeowner's exemption	$275,540 (+6.79%) Land $24,960 Building $250,580	$275,540 (+6.79%) Land $24,960 Building $250,580
2024	$3,966.00 (+8.54%)
2023		$258,010 (+19.27%) Land $20,800 Building $237,210	$258,010 (+19.27%) Land $20,800 Building $237,210
2022	$3,654.00 Homeowner's exemption	$216,330 Land $20,800 Building $195,530
2021			$216,330 Land $20,800 Building $195,530

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 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% 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 110 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
GigFire Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, T-Mobile, Verizon.

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