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

Clay County property record for 813 E 17th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,338 sqft · built 1966
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit May 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607226014`

Property Details

APN / Parcel Number

Primary APN	`963607226014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
Basement Area	1,338 sqft
Finished Basement	400 sqft
Unfinished Basement	1,338 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,560 sqft (0.242 acres)
Lot Dimensions	96 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	813 E 17TH ST
City	SPENCER
State	IA
Zip	51301-4629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 10' 10 & ALL OF 11 1 BALDWIN HEIGHTS
Legal Subdivision	BALDWIN HEIGHTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3001
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	2 Individual Names on Record
Mailing Address	813 E 17TH ST, SPENCER, IA 51301-4629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
May 24, 2018	Deed of Trust, Mortgage FARMERS STATE BANK
Jun 1, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	813 E 17TH ST, SPENCER, IA 51301-4629
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/662
Date	Apr 17, 2023
Book Page	2023/662
Instrument	2023 662

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2033

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	813 E 17TH ST, SPENCER, IA 51301-4629
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001371
Date	May 24, 2018
Book Page	0000002018/0000001371
Instrument	000000001371

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 1, 2022
Property Address	813 E 17TH ST, SPENCER, IA 51301-4629
Document Number	02022/1394
Book / Page	2022 / 1394
Instrument Date	May 31, 2022
Instrument	2022 1394
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	813 E 17TH ST, SPENCER, IA 51301-4629

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	$2,862.00 (+4.38%) Homeowner's exemption	$197,820 (+9.01%) Land $37,840 Building $159,980	$197,820 (+9.01%) Land $37,840 Building $159,980
2024	$2,742.00 (+6.28%)
2023		$181,470 (+16.87%) Land $30,270 Building $151,200	$181,470 (+16.87%) Land $30,270 Building $151,200
2022	$2,580.00 Homeowner's exemption	$155,280 Land $30,280 Building $125,000
2021			$155,280 Land $30,280 Building $125,000

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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