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

Clay County property record for 704 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,328 sqft · built 1972
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$144,375 (Jul 2008)
Tax Bill	$4,134 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607227001`

Property Details

APN / Parcel Number

Primary APN	`963607227001`
Alternative APN	`64096360722700100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,328 sqft Living Area
Basement Area	664 sqft
Finished Basement	660 sqft
Unfinished Basement	664 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
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	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	650 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 100' 6 2 BALDWIN HEIGHTS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	BALDWIN HEIGHTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3021
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	704 E 17TH ST, SPENCER, IA 51301-4626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Dec 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2008 · Amount on Record
Deed Sale	Jul 14, 2008 · Amount on Record
Deed Document Number	20082074
Deed Book / Page	2008 / 2074
Prior Transfer Date	Jun 25, 2008
Prior Transfer Doc	2008/2074
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	704 E 17TH ST, SPENCER, IA 51301-4626
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2477
Date	Sep 20, 2022
Book Page	2022/2477
Instrument	2022 2477

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	704 E 17TH ST, SPENCER, IA 51301-4626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/3299
Date	Dec 11, 2019
Book Page	2019/3299
Instrument	3299

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
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	$4,134.00 (+3.71%) Homeowner's exemption	$280,850 (+8.33%) Land $34,400 Building $246,450	$280,850 (+8.33%) Land $34,400 Building $246,450
2024	$3,986.00 (+6.63%)
2023		$259,250 (+17.27%) Land $27,520 Building $231,730	$259,250 (+17.27%) Land $27,520 Building $231,730
2022	$3,738.00 Homeowner's exemption	$221,070 Land $27,520 Building $193,550
2021			$221,070 Land $27,520 Building $193,550

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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