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

Clay County property record for 326 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,232 sqft · built 1968
Lot Size	0.217 acres (9,460 sqft)
Owner	Company Name on Record
Last Sale	$20,000 (Sep 2026)
Tax Bill	$2,706 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963606454005`

Property Details

APN / Parcel Number

Primary APN	`963606454005`
Alternative APN	`64096360645400500`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Finished Basement	675 sqft
Unfinished Basement	557 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,460 sqft (0.217 acres)
Lot Dimensions	110 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	174 sqft
Patio Area	234 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	326 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 2 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	1025
Census Tract	80200

Owner

Source: Clay County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4045 HIGHWAY 71, SPENCER, IA 51301-2057
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 9, 2006	Deed of Trust, Mortgage · USDA Mortgage USDA
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Dec 21, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Dec 21, 2020 · Amount on Record
Deed Document Number	20262344
Deed Book / Page	2026 / 2344
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 22, 2026
Property Address	326 E 19TH ST, SPENCER, IA 51301-2339
Document Number	0000002344
Book / Page	2026 / 2344
Instrument Date	Sep 4, 2026
Instrument	20262344
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	4045 HIGHWAY 71, SPENCER, IA 51301-2057

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	326 E 19TH ST, SPENCER, IA 51301-2339
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/1796
Date	Jun 9, 2006
Book Page	2006/1796
Instrument	2006 1796

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jun 8, 2039

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	326 E 19TH ST, SPENCER, IA 51301-2339
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1876
Date	Jun 29, 2020
Book Page	2020/1876
Instrument	2020 1876

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 21, 2020
Property Address	326 E 19TH ST, SPENCER, IA 51301-2339
Document Number	02020/4061
Book / Page	2020 / 4061
Instrument Date	Dec 16, 2020
Instrument	2020 4061
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$205.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 E 19TH ST, SPENCER, IA 51301-2339

Mortgage

Document Number	02020/4062
Date	Dec 21, 2020
Book Page	2020/4062
Instrument	2020 4062

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed 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	$2,706.00 (+5.54%) Homeowner's exemption	$196,560 (+9.93%) Land $31,650 Building $164,910	$196,560 (+9.93%) Land $31,650 Building $164,910
2024	$2,564.00 (+0.39%)
2023		$178,810 (+16.25%) Land $25,320 Building $153,490	$178,810 (+16.25%) Land $25,320 Building $153,490
2022	$2,554.00 Homeowner's exemption	$153,820 Land $25,320 Building $128,500
2021			$153,820 Land $25,320 Building $128,500

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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