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

Clay County property record for 327 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,304 sqft · built 1971
Lot Size	0.27 acres (11,760 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,496 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963606452010`

Property Details

APN / Parcel Number

Primary APN	`963606452010`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Building Area	1,304 sqft Living Area
Basement Area	978 sqft
Finished Basement	700 sqft
Unfinished Basement	978 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,760 sqft (0.27 acres)
Lot Dimensions	140 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Patio Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	327 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 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	327 E 19TH ST, SPENCER, IA 51301-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · VA Mortgage NP INC
Oct 11, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SAVINGS BANK
Sep 11, 2018	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Dec 18, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK

Assessor's Deed Record

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	327 E 19TH ST, SPENCER, IA 51301-2340
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1152
Date	Apr 13, 2021
Book Page	2021/1152
Instrument	2021 1152

Lender

Name	NP INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	327 E 19TH ST, SPENCER, IA 51301-2340
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002671
Date	Oct 11, 2018
Book Page	0000002018/0000002671
Instrument	000000002671

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	327 E 19TH ST, SPENCER, IA 51301-2340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002411
Date	Sep 11, 2018
Book Page	0000002018/0000002411
Instrument	000000002411

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2048

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	327 E 19TH ST, SPENCER, IA 51301-2340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/3377
Date	Dec 18, 2019
Book Page	2019/3377
Instrument	3377

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$3,496.00 (+4.05%) Homeowner's exemption	$248,220 (+8.64%) Land $33,600 Building $214,620	$248,220 (+8.64%) Land $33,600 Building $214,620
2024	$3,360.00 (+5.2%)
2023		$228,480 (+18.06%) Land $26,880 Building $201,600	$228,480 (+18.06%) Land $26,880 Building $201,600
2022	$3,194.00 Homeowner's exemption	$193,530 Land $26,880 Building $166,650
2021			$193,530 Land $26,880 Building $166,650

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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