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

Clay County property record for 812 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,144 sqft · built 1973
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (May 2006)
Tax Bill	$3,208 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Jul 2012 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607227005`

Property Details

APN / Parcel Number

Primary APN	`963607227005`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Basement Area	1,144 sqft
Finished Basement	750 sqft
Unfinished Basement	1,144 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
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	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	197 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	812 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	812 E 17TH ST, SPENCER, IA 51301-4628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 29, 2012	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Feb 26, 2026	Trustee's Deed, Foreclosure Foreclosure Auction
Aug 23, 2012	Intrafamily Transfer, Transfer
May 16, 2006	Corporation Deed, Transfer · Conventional Mortgage NORTHWEST FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2006 · Amount on Record
Deed Sale	May 16, 2006 · Amount on Record
Deed Document Number	20061541
Deed Book / Page	2006 / 1541
Last Transfer Date	Aug 22, 2012
Transfer Doc	2012/2510
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2414
Date	Sep 8, 2017
Book Page	2017/2414
Instrument	2017 2414

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

July 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/2188
Date	Jul 27, 2012
Book Page	2012/2188
Instrument	2012 2188

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jun 15, 2027

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/1554
Date	May 29, 2012
Book Page	2012/1554
Instrument	2012 1554

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

February 2026: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY IA
Recording Date	Feb 26, 2026
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Document Number	002026/469
Book / Page	2026 / 469
Instrument Date	Feb 26, 2026
Instrument	2026 469
Transaction Type	Foreclosure
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 E 17TH ST, SPENCER, IA 51301-4628

August 2012: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Aug 23, 2012
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Document Number	02012/2510
Book / Page	2012 / 2510
Instrument Date	Aug 22, 2012
Instrument	2012 2510
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

May 2006: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	CLAY IA
Recording Date	May 16, 2006
Property Address	812 E 17TH ST, SPENCER, IA 51301-4628
Document Number	02006/1541
Book / Page	2006 / 1541
Instrument Date	May 1, 2006
Instrument	2006 1541
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$197.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 LONGWATER DR, NORWELL, MA 02061-1653

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020061542
Date	May 16, 2006
Instrument	2006 1542

Lender

Name	NORTHWEST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

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	$3,208.00 (+4.91%) Homeowner's exemption	$220,420 (+9.5%) Land $34,400 Building $186,020	$220,420 (+9.5%) Land $34,400 Building $186,020
2024	$3,058.00 (+7.22%)
2023		$201,290 (+17.89%) Land $27,520 Building $173,770	$201,290 (+17.89%) Land $27,520 Building $173,770
2022	$2,852.00 Homeowner's exemption	$170,750 Land $27,520 Building $143,230
2021			$170,750 Land $27,520 Building $143,230

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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