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

Clay County property record for 527 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,260 sqft · built 1958
Lot Size	0.198 acres (8,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Feb 2024)
Tax Bill	$3,520 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2019 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607203011`

Property Details

APN / Parcel Number

Primary APN	`963607203011`
Alternative APN	`64096360720301100`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Finished Basement	600 sqft
Unfinished Basement	1,008 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	8,640 sqft (0.198 acres)
Lot Dimensions	96 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	140 sqft
Patio Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	527 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 1 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	3002
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	527 E 17TH ST, SPENCER, IA 51301-4623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE LLC
Dec 6, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Feb 29, 2024	Warranty Deed, Transfer
Jun 8, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 17, 2019	Warranty Deed, Transfer · Stand-Alone Refinance TRADITION MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	2024349
Deed Book / Page	2024 / 349
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	527 E 17TH ST, SPENCER, IA 51301-4623
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2343
Date	Aug 4, 2020
Book Page	2020/2343
Instrument	2020 2343

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	527 E 17TH ST, SPENCER, IA 51301-4623
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3256
Date	Dec 6, 2019
Book Page	2019/3256
Instrument	3256

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	13 Months
Due	Jan 1, 2021

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 29, 2024
Property Address	527 E 17TH ST, SPENCER, IA 51301-4623
Document Number	002024/349
Book / Page	2024 / 349
Instrument Date	Feb 29, 2024
Instrument	2024 349
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
Tax	$381.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	527 E 17TH ST, SPENCER, IA 51301-4623

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2022
Property Address	527 E 17TH ST, SPENCER, IA 51301-4623
Document Number	02022/1504
Book / Page	2022 / 1504
Instrument Date	May 19, 2022
Instrument	2022 1504
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$331.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	527 E 17TH ST, SPENCER, IA 51301-4623

Mortgage

Document Number	02022/1505
Date	Jun 8, 2022
Book Page	2022/1505
Instrument	2022 1505

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 17, 2019
Property Address	527 E 17TH ST, SPENCER, IA 51301-4623
Document Number	02019/3370
Book / Page	2019 / 3370
Instrument Date	Dec 13, 2019
Instrument	3370
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 E 17TH ST, SPENCER, IA 51301-4623

Mortgage

Document Number	02019/3371
Date	Dec 17, 2019
Book Page	2019/3371
Instrument	3371

Lender

Name	TRADITION MORTGAGE

Agreement

Type	Stand-Alone Refinance
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	$3,520.00 (+3.59%) Homeowner's exemption	$249,750 (+8.18%) Land $30,960 Building $218,790	$249,750 (+8.18%) Land $30,960 Building $218,790
2024	$3,398.00 (-0.7%)
2023		$230,860 (+11.8%) Land $24,770 Building $206,090	$230,860 (+11.8%) Land $24,770 Building $206,090
2022	$3,422.00 Homeowner's exemption	$206,500 Land $24,770 Building $181,730
2021			$206,500 Land $24,770 Building $181,730

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 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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