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

Clay County property record for 611 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1957
Lot Size	0.22 acres (9,600 sqft)
Owner	Company Name on File
Last Sale	$142,500 (Dec 2025)
Tax Bill	$2,276 (2025)
Deeds & Mortgages	Dec 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607203013`

Property Details

APN / Parcel Number

Primary APN	`963607203013`
Alternative APN	`64096360720301300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	96 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	611 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 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

611 E 17th St is owned by a company that bought it in December 2025 and is owner-occupied.

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	4020 HIGHWAY 71, SPENCER, IA 51301-2033
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2025 · Amount on File
Deed Sale	Dec 18, 2025 · Amount on File
Deed Document Number	20252974
Deed Book / Page	2025 / 2974
Record Updated	Oct 29, 2026

December 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Dec 18, 2025
Property Address	611 E 17TH ST, SPENCER, IA 51301-4625
Document Number	02025/2974
Book / Page	2025 / 2974
Instrument Date	Nov 18, 2025
Instrument	2025 2974
Transaction Type	Foreclosure
Record Updated	Jan 19, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 HIGHWAY 71, SPENCER, IA 51301-2033

Mortgage

Document Number	0020252975
Date	Dec 18, 2025
Instrument	2025 2975

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 611 E 17th St was $2,276 with a homeowner's exemption, up 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	$2,276.00 (+5.96%) Homeowner's exemption	$168,460 Land $34,400 Building $134,060	$168,460 Land $34,400 Building $134,060
2024	$2,148.00
2023		$152,830 (+16.66%) Land $27,520 Building $125,310	$152,830 Land $27,520 Building $125,310
2022	$2,092.00 Homeowner's exemption	$131,000 Land $27,520 Building $103,480
2021			$131,000 Land $27,520 Building $103,480

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

Flood

FEMA maps place 611 E 17th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 611 E 17th 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 99.8% 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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