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

Clay County property record for 604 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,204 sqft · built 1957
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Sep 2021)
Tax Bill	$2,976 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607204005`

Property Details

APN / Parcel Number

Primary APN	`963607204005`
Alternative APN	`64096360720400500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
Basement Area	1,204 sqft
Finished Basement	525 sqft
Unfinished Basement	1,204 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,120 sqft (0.209 acres)
Lot Dimensions	96 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	604 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 95' 3 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	604 E 17TH ST, SPENCER, IA 51301-4624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Feb 8, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Deed Document Number	20212893
Deed Book / Page	2021 / 2893
Prior Transfer Date	Feb 1, 2021
Prior Transfer Doc	2021/393
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	604 E 17TH ST, SPENCER, IA 51301-4624
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3478
Date	Nov 5, 2021
Book Page	2021/3478
Instrument	2021 3478

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2031

Interest

Rate Type	Adjustable Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 14, 2021
Property Address	604 E 17TH ST, SPENCER, IA 51301-4624
Document Number	02021/2893
Book / Page	2021 / 2893
Instrument Date	Sep 2, 2021
Instrument	2021 2893
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
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	604 E 17TH ST, SPENCER, IA 51301-4624

Mortgage

Document Number	02021/2894
Date	Sep 14, 2021
Book Page	2021/2894
Instrument	2021 2894

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.25%
Index	1-Year CMT

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 8, 2021
Property Address	604 E 17TH ST, SPENCER, IA 51301-4624
Document Number	2021/393
Book / Page	2021 / 393
Instrument Date	Feb 1, 2021
Instrument	2021 0393
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4209 MAPLE ST, WEST DES MOINES, IA 50265-3886

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	$2,976.00 (+4.13%) Homeowner's exemption	$205,170 (+8.71%) Land $32,680 Building $172,490	$205,170 (+8.71%) Land $32,680 Building $172,490
2024	$2,858.00 (+7.2%)
2023		$188,740 (+17.84%) Land $26,140 Building $162,600	$188,740 (+17.84%) Land $26,140 Building $162,600
2022	$2,666.00 Homeowner's exemption	$160,170 Land $26,140 Building $134,030
2021			$160,170 Land $26,140 Building $134,030

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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