914 E 19th St, Spencer, IA 51301 Property Records

Clay County property record for 914 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,801 sqft · built 1993
Lot Size	0.485 acres (21,140 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Oct 2024)
Tax Bill	$4,652 (2025)
Deeds & Mortgages	Oct 2024 Sale & Mortgage Jul 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`963606480008`

Property Details

APN / Parcel Number

Primary APN	`963606480008`
Alternative APN	`64096360648000800`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,801 sqft Living Area
1st Floor Area	1,619 sqft
Basement Area	1,619 sqft
Unfinished Basement	1,619 sqft
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,140 sqft (0.485 acres)
Lot Dimensions	140 ft deep x 151 ft wide
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	182 sqft
Deck Area	165 sqft
Patio Area	533 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	914 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 1/2 3 3 CEDAR HILL ADD & PARCEL H 6-96-36 L&I
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	CEDAR HILL ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

914 E 19th St is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	914 E 19TH ST, SPENCER, IA 51301-2440
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
Oct 31, 2024	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jul 10, 2023	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2024 · Amount on File
Deed Sale	Oct 31, 2024 · Amount on File
Deed Document Number	20242402
Record Updated	Oct 29, 2026

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 31, 2024
Property Address	914 E 19TH ST, SPENCER, IA 51301-2440
Document Number	02024/2402
Book / Page	2024 / 2402
Map Reference	DOC 2000-303
Instrument Date	Oct 23, 2024
Instrument	2024 2402
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	$423.20
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	914 E 19TH ST, SPENCER, IA 51301-2440

Mortgage

Document Number	0020242403
Date	Oct 31, 2024
Instrument	2024 2403

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

July 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLAY IA
Recording Date	Jul 10, 2023
Property Address	914 E 19TH ST, SPENCER, IA 51301-2440
Document Number	02023/1400
Book / Page	2023 / 1400
Instrument Date	Jul 7, 2023
Instrument	2023 1400
Transaction Type	Transfer
Record Updated	Sep 30, 2025

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
Address	2104 W CAROUSEL DR, DODGE CITY, KS 67801-2814

Tax Assessment & Valuation

The 2025 property tax bill for 914 E 19th St was $4,652, 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	$4,652.00 (+5.15%)	$314,630 Land $38,510 Building $276,120	$314,630 Land $38,510 Building $276,120
2024	$4,424.00
2023		$276,390 (+18.11%) Land $32,090 Building $244,300	$276,390 Land $32,090 Building $244,300
2022	$3,906.00 Homeowner's exemption	$234,010 Land $32,090 Building $201,920
2021			$234,010 Land $32,090 Building $201,920

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

Flood

FEMA maps place 914 E 19th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 914 E 19th 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 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.

Nearby Properties on E 19th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures