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

Clay County property record for 917 E 15th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1964
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jul 2023)
Tax Bill	$2,174 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607233003`

Property Details

APN / Parcel Number

Primary APN	`963607233003`
Alternative APN	`64096360723300300`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
Basement Area	952 sqft
Unfinished Basement	952 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	100 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	917 E 15TH ST
City	SPENCER
State	IA
Zip	51301-4733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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	2 Individual Names on Record
Mailing Address	917 E 15TH ST, SPENCER, IA 51301-4733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Warranty Deed, Transfer · Conventional Mortgage VIP MORTGAGE LLC
Sep 19, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Dec 22, 2005 · Amount on Record
Deed Document Number	20231615
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 31, 2023
Property Address	917 E 15TH ST, SPENCER, IA 51301-4733
Document Number	02023/1615
Book / Page	2023 / 1615
Instrument Date	Jul 27, 2023
Instrument	2023 1615
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
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	917 E 15TH ST, SPENCER, IA 51301-4733

Mortgage

Document Number	02023/1616
Date	Jul 31, 2023
Book Page	2023/1616
Instrument	2023 1616

Lender

Name	VIP MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 19, 2017
Property Address	917 E 15TH ST, SPENCER, IA 51301-4733
Document Number	02017/2479
Book / Page	2017 / 2479
Instrument Date	Sep 14, 2017
Instrument	2017 2479
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	917 E 15TH ST, SPENCER, IA 51301-4733

Mortgage

Document Number	02017/2480
Date	Sep 19, 2017
Book Page	2017/2480
Instrument	2017 2480

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

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

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	$2,174.00 (+5.53%)	$142,020 (+10.42%) Land $23,280 Building $118,740	$142,020 (+10.42%) Land $23,280 Building $118,740
2024	$2,060.00 (+16.65%)
2023		$128,620 (+17.81%) Land $17,960 Building $110,660	$128,620 (+17.81%) Land $17,960 Building $110,660
2022	$1,766.00 Homeowner's exemption	$109,180 Land $17,960 Building $91,220
2021			$109,180 Land $17,960 Building $91,220

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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