906 E 15th St, Spencer, IA 51301 Property Records

Clay County property record for 906 E 15th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,176 sqft · built 1966
Lot Size	0.269 acres (11,715 sqft)
Owner	Company Name on Record
Last Sale	$154,500 (Jan 2022)
Tax Bill	$2,662 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607234001`

Property Details

APN / Parcel Number

Primary APN	`963607234001`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Basement Area	1,176 sqft
Finished Basement	525 sqft
Unfinished Basement	1,176 sqft
Game Room	Game Room
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	Gable
Roof Material	Composition Shingle
Lot Area	11,715 sqft (0.269 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	240 sqft
Patio Area	192 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	906 E 15TH ST
City	SPENCER
State	IA
Zip	51301-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 ELL-MOR COURT
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELL-MOR COURT ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
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	Company Name on Record
Mailing Address	1902 23RD AVE W, SPENCER, IA 51301-2664
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Prior Sale	Dec 22, 2021 · Amount on Record
Deed Document Number	202283
Deed Book / Page	2022 / 83
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	906 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3860
Date	Dec 10, 2021
Book Page	2021/3860
Instrument	2021 3860

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2031

Interest

Rate Type	Adjustable Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 22, 2021
Property Address	906 E 15TH ST, SPENCER, IA 51301-4732
Document Number	02021/4034
Book / Page	2021 / 4034
Instrument Date	Dec 18, 2021
Instrument	2021 4034
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$239.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 23RD AVE W, SPENCER, IA 51301-2664

Mortgage

Document Number	02021/4035
Date	Dec 22, 2021
Book Page	2021/4035
Instrument	2021 4035

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,662.00 (+5.55%)	$173,770 (+10.28%) Land $30,700 Building $143,070	$173,770 (+10.28%) Land $30,700 Building $143,070
2024	$2,522.00 (+8.24%)
2023		$157,570 (+19.15%) Land $23,680 Building $133,890	$157,570 (+19.15%) Land $23,680 Building $133,890
2022	$2,330.00	$132,250 Land $23,680 Building $108,570
2021			$132,250 Land $23,680 Building $108,570

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 98% of the US · lower than 82% 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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