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

Clay County property record for 215 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,785 sqft · built 1957
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on File
Last Sale	$165,500 (Sep 2011)
Tax Bill	$3,578 (2022)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606380016`

Property Details

APN / Parcel Number

Primary APN	`963606380016`
Alternative APN	`64096360638001600`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,785 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Finished Basement	525 sqft
Unfinished Basement	1,050 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Deck Area	60 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	215 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 1 BULLOCK'S ADD
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCKS ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

215 E 19th St is owned and occupied by two individuals who bought it in September 2011.

Source: Clay County records, as of July 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	215 E 19TH ST, SPENCER, IA 51301-2338
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
Jun 17, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 1, 2023	Warranty Deed, Transfer · VA Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2011 · Amount on File
Deed Sale	Sep 9, 2011 · Amount on File
Prior Sale	Sep 1, 2011 · Amount on File
Deed Document Number	20112287
Deed Book / Page	2011 / 2287
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jun 17, 2026
Property Address	215 E 19TH ST, SPENCER, IA 51301-2338
Document Number	0000001460
Book / Page	2026 / 1460
Instrument Date	Jun 12, 2026
Instrument	20261460
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 E 19TH ST, SPENCER, IA 51301-2338

Mortgage

Document Number	0000001460,
Date	Jun 17, 2026
Book Page	2026/1460
Instrument	20261460

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 1, 2023
Property Address	215 E 19TH ST, SPENCER, IA 51301-2338
Document Number	02023/2746
Book / Page	2023 / 2746
Instrument Date	Nov 28, 2023
Instrument	2023 2746
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.40
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	215 E 19TH ST, SPENCER, IA 51301-2338

Mortgage

Document Number	0020232747
Date	Dec 1, 2023
Instrument	2023 2747

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

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		$234,840 Land $36,000 Building $198,840	$234,840 Land $36,000 Building $198,840
2023		$250,990 (+18.42%) Land $28,800 Building $222,190	$250,990 Land $28,800 Building $222,190
2022	$3,578.00 Homeowner's exemption	$211,950 Land $28,800 Building $183,150
2021			$211,950 Land $28,800 Building $183,150

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

Flood

FEMA maps place 215 E 19th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

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

Wildfire risk around 215 E 19th St 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	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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