27 E 24th St, Spencer, IA 51301 Property Records

Clay County property record for 27 E 24th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,275 sqft · built 1955
Lot Size	0.416 acres (18,128 sqft)
Owner	Individual Name on Record
Tax Bill	$2,260 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963606179007`

Property Details

APN / Parcel Number

Primary APN	`963606179007`
Alternative APN	`68296360617900700`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,275 sqft Living Area
1st Floor Area	1,023 sqft
Basement Area	1,023 sqft
Finished Basement	200 sqft
Unfinished Basement	1,023 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	18,128 sqft (0.416 acres)
Lot Dimensions	176 ft deep x 103 ft wide
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	27 E 24TH ST
City	SPENCER
State	IA
Zip	51301-2118
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 2 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	1008
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	27 E 24TH ST, SPENCER, IA 51301-2118
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Mar 5, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 26, 2019
Transfer Doc	2019/528
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	27 E 24TH ST, SPENCER, IA 51301-2118
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/438
Date	Feb 24, 2026
Book Page	2026/438
Instrument	2026 438

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	27 E 24TH ST, SPENCER, IA 51301-2118
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/4120
Date	Dec 28, 2020
Book Page	2020/4120
Instrument	2020 4120

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Mar 5, 2019
Property Address	27 E 24TH ST, SPENCER, IA 51301-2118
Document Number	2019/528
Book / Page	2019 / 528
Instrument Date	Feb 26, 2019
Instrument	2019-528
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,260.00 (+6.5%) Homeowner's exemption	$182,020 (+10.34%) Land $33,060 Building $148,960	$182,020 (+10.34%) Land $33,060 Building $148,960
2024	$2,122.00 (-6.35%)
2023		$164,960 (+17.13%) Land $27,550 Building $137,410	$164,960 (+17.13%) Land $27,550 Building $137,410
2022	$2,266.00 Homeowner's exemption	$140,840 Land $27,550 Building $113,290
2021			$140,840 Land $27,550 Building $113,290

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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