512 E 17th St, Spencer, IA 51301 Property Records

Clay County property record for 512 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1958
Lot Size	0.198 acres (8,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jul 2025)
Tax Bill	$3,112 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607204002`

Property Details

APN / Parcel Number

Primary APN	`963607204002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,472 sqft Living Area
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	96 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Patio Area	289 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	512 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 2 ELMWOOD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELMWOOD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3020
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	512 E 17TH ST, SPENCER, IA 51301-4622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jun 25, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Prior Sale	Jul 29, 2022 · Amount on Record
Deed Document Number	20251656
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	02020/1812
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	512 E 17TH ST, SPENCER, IA 51301-4622
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2980
Date	Sep 29, 2020
Book Page	2020/2980
Instrument	2020 2980

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Jun 25, 2020
Property Address	512 E 17TH ST, SPENCER, IA 51301-4622
Document Number	02020/1812
Book / Page	2020 / 1812
Map Reference	BK 2013 PG 1839
Instrument Date	Jun 25, 2020
Instrument	2020 1812
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 4TH AVE E, 1415, SPENCER, IA 51301-4545

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 E 17TH ST, SPENCER, IA 51301-4622

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	$3,112.00 (+3.8%)	$203,260 (+8.57%) Land $30,960 Building $172,300	$203,260 (+8.57%) Land $30,960 Building $172,300
2024	$2,998.00 (+37.65%)
2023		$187,220 (+41.33%) Land $24,770 Building $162,450	$187,220 (+41.33%) Land $24,770 Building $162,450
2022	$2,178.00 Homeowner's exemption	$132,470 Land $24,770 Building $107,700
2021			$132,470 Land $24,770 Building $107,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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