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

Clay County property record for 320 E 19th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 5.5 ba · 1,672 sqft · built 1968
Lot Size0.234 acres (10,206 sqft)
Owner2 Individual Names on Record
Last Sale$285,000 (Jun 2025)
Tax Bill$3,690 (2025)
Deeds & MortgagesJul 2018 Sale
Flood ZoneZone X (minimal risk)
APN963606454004

Property Details

APN / Parcel Number

Primary APN963606454004
Alternative APN
  • 64096360645400400

Interior

Bedrooms3 Beds
Full Baths5.5 Baths
Half Baths5 Half Baths
Total Rooms9 Rooms
Stories1 Story
Building Area1,672 sqft Living Area
1st Floor Area1,532 sqft
Basement Area766 sqft
Finished Basement242 sqft
Unfinished Basement766 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Effective Year BuiltEffective 1968
Architectural StyleRanch
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialShingle
Lot Area10,206 sqft (0.234 acres)
Garage TypeAttached
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area312 sqft
Deck Area264 sqft
Patio Area180 sqft
Shed1 Shed

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address320 E 19TH ST
CitySPENCER
StateIA
Zip51301-2339
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description5 2 SPENCER N SIDE HEIGHTS
Legal Range36W
Legal Township96N
Legal Section6
Legal SubdivisionSPENCER NORTH SIDE HEIGHTS
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1025
Census Tract80200

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 Record2 Individual Names on Record
Mailing Address320 E 19TH ST, SPENCER, IA 51301-2339
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 16, 2025 · Amount on Record
Deed SaleJun 16, 2025 · Amount on Record
Prior SaleJul 13, 2018 · Amount on Record
Deed Document Number20251447
Deed Book / Page2025 / 1447
Prior Transfer DateMar 10, 2007
Prior Transfer Doc02007/0758
Record UpdatedOct 29, 2026

July 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateJul 13, 2018
Property Address320 E 19TH ST, SPENCER, IA 51301-2339
Document Number2018/1854
Book / Page2018 / 1854
Instrument DateJul 8, 2018
Instrument000000001854
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address302 E 19TH ST, SPENCER, IA 51301-2339

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,690.00 (+7.14%) Homeowner's exemption$251,900 (+11.8%) Land $32,260 Building $219,640$251,900 (+11.8%) Land $32,260 Building $219,640
2024$3,444.00 (+6.1%)
2023$225,320 (+16.67%) Land $25,810 Building $199,510$225,320 (+16.67%) Land $25,810 Building $199,510
2022$3,246.00 Homeowner's exemption$193,120 Land $25,810 Building $167,310
2021$193,120 Land $25,810 Building $167,310

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims7 (1993–2024)
Most Recent ClaimJun 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 RiskLow
lower than 99.1% of the US · lower than 91% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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