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

Clay County property record for 317 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,320 sqft · built 1966
Lot Size	0.25 acres (10,875 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606452003`

Property Details

APN / Parcel Number

Primary APN	`963606452003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Basement Area	1,320 sqft
Finished Basement	865 sqft
Unfinished Basement	1,320 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,875 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft
Patio Area	405 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	317 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	317 E 19TH ST, SPENCER, IA 51301-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	317 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	02020/2770
Date	Sep 10, 2020
Book Page	2020/2770
Instrument	2020 2770

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	317 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	0002021/18
Date	Jan 5, 2021
Book Page	2021/18
Instrument	2021 0018

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$3,692.00 (+3.94%) Homeowner's exemption	$252,020 (+8.58%) Land $33,760 Building $218,260	$252,020 (+8.58%) Land $33,760 Building $218,260
2024	$3,552.00 (+7.44%)
2023		$232,100 (+18.09%) Land $27,010 Building $205,090	$232,100 (+18.09%) Land $27,010 Building $205,090
2022	$3,306.00 Homeowner's exemption	$196,550 Land $27,010 Building $169,540
2021			$196,550 Land $27,010 Building $169,540

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 99.1% of the US · lower than 91% 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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