Clay County property record for 405 E 19th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,380 sqft · built 2015 |
| Lot Size | 0.27 acres (11,760 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Jul 2021) |
| Tax Bill | $3,592 (2025) |
| Deeds & Mortgages | Jul 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606452011 |
| Primary APN | 963606452011 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,380 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Construction Type | Frame |
| 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 | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 405 E 19TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2342 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 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 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 405 E 19TH ST, SPENCER, IA 51301-2342 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2021 · Amount on Record |
| Deed Sale | Jul 1, 2021 · Amount on Record |
| Deed Document Number | 20212096 |
| Deed Book / Page | 2021 / 2096 |
| Last Transfer Date | Jul 20, 2022 |
| Transfer Doc | 02022/1897 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 20, 2022 |
| Property Address | 405 E 19TH ST, SPENCER, IA 51301-2342 |
| Document Number | 02022/1897 |
| Book / Page | 2022 / 1897 |
| Instrument Date | Jul 18, 2022 |
| Instrument | 2022 1897 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 E 19TH ST, SPENCER, IA 51301-2342 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,592.00 (+4.66%) Homeowner's exemption | $259,990 (+9.08%) Land $33,600 Building $226,390 | $259,990 (+9.08%) Land $33,600 Building $226,390 |
| 2024 | $3,432.00 (+0.06%) | ||
| 2023 | $238,350 (+17.1%) Land $26,880 Building $211,470 | $238,350 (+17.1%) Land $26,880 Building $211,470 | |
| 2022 | $3,430.00 | $203,550 Land $26,880 Building $176,670 | |
| 2021 | $203,550 Land $26,880 Building $176,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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