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

Clay County property record for 301 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,296 sqft · built 1965
Lot Size	0.22 acres (9,570 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jun 2021)
Tax Bill	$2,768 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606452001`

Property Details

APN / Parcel Number

Primary APN	`963606452001`
Alternative APN	`64096360645200100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Basement Area	972 sqft
Finished Basement	675 sqft
Unfinished Basement	972 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,570 sqft (0.22 acres)
Lot Dimensions	110 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	48 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	301 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 1 SPENCER N SIDE HEIGHTS
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	SPENCER NORTH SIDE HEIGHTS
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	301 E 19TH ST, SPENCER, IA 51301-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on Record
Deed Sale	Jun 2, 2021 · Amount on Record
Prior Sale	May 27, 2014 · Amount on Record
Deed Document Number	20211711
Deed Book / Page	2021 / 1711
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	301 E 19TH ST, SPENCER, IA 51301-2340
Transaction Type	Mortgage
Record Updated	Jul 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1431
Date	May 29, 2020
Book Page	2020/1431
Instrument	2020 1431

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 2, 2021
Property Address	301 E 19TH ST, SPENCER, IA 51301-2340
Document Number	02021/1711
Book / Page	2021 / 1711
Instrument Date	May 19, 2021
Instrument	2021 1711
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
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	301 E 19TH ST, SPENCER, IA 51301-2340

Mortgage

Document Number	2021171220211712
Date	Jun 2, 2021
Instrument	2021 171220211712

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,768.00 (+5.57%) Homeowner's exemption	$191,650 (+10.14%) Land $32,020 Building $159,630	$191,650 (+10.14%) Land $32,020 Building $159,630
2024	$2,622.00 (+5.56%)
2023		$174,000 (+16.13%) Land $25,610 Building $148,390	$174,000 (+16.13%) Land $25,610 Building $148,390
2022	$2,484.00 Homeowner's exemption	$149,830 Land $25,610 Building $124,220
2021			$149,830 Land $25,610 Building $124,220

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 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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