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

Clay County property record for 503 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Apartments (5+ Units)
Details	2,406 sqft · built 1977
Lot Size	5.2 acres (226,512 sqft)
Owner	Company Name on File
Last Sale	$1,650,000 (Mar 2020)
Tax Bill	$51,010 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606453001`

Property Details

APN / Parcel Number

Primary APN	`963606453001`
Alternative APN	`64096360645300100`

Interior

Stories	1 Story
Building Area	2,406 sqft Gross Area

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	226,512 sqft (5.2 acres)
Parking Spaces	1 Parking Space
Total Buildings	14 Buildings

Utilities, Heating & Cooling

Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	503 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2448
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	1 HALLETTS N SIDE HGTS 1ST ADD
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	HALLETT'S N SIDE HEIGHTS 1ST
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

503 E 19th St, a residential property, is owned by a company that bought it in March 2020.

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	Company Name on File
Mailing Address	PO BOX 473, SPENCER, IA 51301-0473
Owner Type	Company
Vesting	Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2021	Deed of Trust, Mortgage · Commercial Mortgage FARMERS TRUST & SAVINGS BANK
Mar 13, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Deed Document Number	2020615
Deed Book / Page	2020 / 615
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	503 E 19TH ST, SPENCER, IA 51301-2448
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2864
Date	Sep 9, 2021
Book Page	2021/2864
Instrument	2021 2864

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 13, 2020
Property Address	503 E 19TH ST, SPENCER, IA 51301-2448
Document Number	002020/615
Book / Page	2020 / 615
Instrument Date	Mar 10, 2020
Instrument	615
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount on Record
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
Address	306 E COURT AVE, DES MOINES, IA 50309-2015

Mortgage

Document Number	0000000616
Date	Mar 13, 2020
Instrument	616

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 503 E 19th St was $51,010, up 4.6% from the year before.

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	$51,010.00 (+4.64%)	$1,724,080 Building $1,724,080	$1,724,080 Building $1,724,080
2024	$48,748.00
2023		$1,308,060 (+11.38%) Building $1,308,060	$1,308,060 Building $1,308,060
2022	$32,360.00	$1,174,380 Building $1,174,380
2021			$1,174,380 Building $1,174,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 503 E 19th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

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

Wildfire risk around 503 E 19th St is low, with less than a 0.01% annual chance of 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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