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

Clay County property record for 603 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,528 sqft · built 1959
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,500 (Sep 2021)
Tax Bill	$3,350 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607203012`

Property Details

APN / Parcel Number

Primary APN	`963607203012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,528 sqft Living Area
1st Floor Area	1,176 sqft
Basement Area	1,176 sqft
Finished Basement	588 sqft
Unfinished Basement	588 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	96 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	112 sqft
Deck Area	200 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	603 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 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	603 E 17TH ST, SPENCER, IA 51301-4625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK
Mar 1, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Mar 1, 2019 · Amount on Record
Deed Document Number	20213018
Deed Book / Page	2021 / 3018
Prior Transfer Date	May 23, 2009
Prior Transfer Doc	2009/1871
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 28, 2021
Property Address	603 E 17TH ST, SPENCER, IA 51301-4625
Document Number	02021/3018
Book / Page	2021 / 3018
Instrument Date	Sep 18, 2021
Instrument	2021 3018
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$302.40
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
Address	603 E 17TH ST, SPENCER, IA 51301-4625

Mortgage

Document Number	02021/3020
Date	Sep 28, 2021
Book Page	2021/3020
Instrument	2021 3019

Lender

Name	CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 1, 2019
Property Address	603 E 17TH ST, SPENCER, IA 51301-4625
Document Number	2019/475
Book / Page	2019 / 475
Instrument Date	Feb 27, 2019
Instrument	2019-475
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
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	603 E 17TH ST, SPENCER, IA 51301-4625

Mortgage

Document Number	476
Date	Mar 1, 2019
Instrument	476

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	002019/475
Date	Mar 1, 2019
Book Page	2019/475
Instrument	2019-475

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,350.00 (+5.08%)	$218,780 (+9.88%) Land $34,400 Building $184,380	$218,780 (+9.88%) Land $34,400 Building $184,380
2024	$3,188.00 (+5.42%)
2023		$199,100 (+15.99%) Land $27,520 Building $171,580	$199,100 (+15.99%) Land $27,520 Building $171,580
2022	$3,024.00	$171,660 Land $27,520 Building $144,140
2021			$171,660 Land $27,520 Building $144,140

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 99.8% of the US · lower than 98.1% 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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