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

Clay County property record for 713 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,232 sqft · built 1968
Lot Size	0.209 acres (9,120 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (May 2025)
Tax Bill	$3,298 (2025)
Deeds & Mortgages	May 2025 Sale & Mortgage Jun 2025 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607226008`

Property Details

APN / Parcel Number

Primary APN	`963607226008`
Alternative APN	`64096360722600800`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Finished Basement	617 sqft
Unfinished Basement	1,232 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
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	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	280 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Geothermal
Water Source	Commercial

Location & Zoning

Street Address	713 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4627
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EXC. E 10' 8 1 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	3001
Census Tract	80200

Owner

713 E 17th St is owned and occupied by two individuals who bought it in May 2025.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	713 E 17TH ST, SPENCER, IA 51301-4627
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2025	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jun 4, 2025	Legal Action/Court Order, Foreclosure
Dec 1, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 8, 2025 · Amount on File
Deed Sale	May 8, 2025 · Amount on File
Prior Sale	Dec 7, 2022 · Amount on File
Deed Document Number	20251076
Deed Book / Page	2025 / 1076
Prior Transfer Date	Nov 24, 2017
Prior Transfer Doc	2017/3139
Record Updated	Oct 29, 2026

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 8, 2025
Property Address	713 E 17TH ST, SPENCER, IA 51301-4627
Document Number	02025/1076
Book / Page	2025 / 1076
Instrument Date	May 3, 2025
Instrument	2025 1076
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.20
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	713 E 17TH ST, SPENCER, IA 51301-4627

Mortgage

Document Number	0020251078
Date	May 8, 2025
Instrument	2025 1078

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

June 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jun 4, 2025
Property Address	713 E 17TH ST, SPENCER, IA 51301-4627
Document Number	02025/1350
Book / Page	2025 / 1350
Instrument Date	May 3, 2025
Instrument	2025 1350
Transaction Type	Foreclosure
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	713 E 17TH ST, SPENCER, IA 51301-4627

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Dec 1, 2017
Property Address	713 E 17TH ST, SPENCER, IA 51301-4627
Document Number	2017/3139
Book / Page	2017 / 3139
Instrument Date	Nov 24, 2017
Instrument	2017 3139
Transaction Type	Transfer
Record Updated	Jun 6, 2023

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
Relationship	Family Trust
Address	713 E 17TH ST, SPENCER, IA 51301-4627

Tax Assessment & Valuation

The 2025 property tax bill for 713 E 17th St was $3,298 with a homeowner's exemption, up 5.2% 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	$3,298.00 (+5.23%) Homeowner's exemption	$226,190 Land $32,680 Building $193,510	$226,190 Land $32,680 Building $193,510
2024	$3,134.00
2023		$206,020 (+16.8%) Land $26,140 Building $179,880	$206,020 Land $26,140 Building $179,880
2022	$2,950.00 Homeowner's exemption	$176,390 Land $26,140 Building $150,250
2021			$176,390 Land $26,140 Building $150,250

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

Flood

FEMA maps place 713 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 713 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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