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

Clay County property record for 922 E 15th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1962
Lot Size	0.193 acres (8,400 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,140 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607234004`

Property Details

APN / Parcel Number

Primary APN	`963607234004`
Alternative APN	`64096360723400400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	500 sqft
Unfinished Basement	1,120 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,400 sqft (0.193 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	922 E 15TH ST
City	SPENCER
State	IA
Zip	51301-4732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 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	922 E 15TH ST, SPENCER, IA 51301-4732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jun 1, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

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

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	922 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002023/31
Date	Jan 9, 2023
Book Page	2023/31
Instrument	2023 31

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	922 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/523
Date	Feb 18, 2021
Book Page	2021/523
Instrument	2021 0523

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	922 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1136
Date	Apr 12, 2021
Book Page	2021/1136
Instrument	2021 1136

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	922 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 1414
Date	Jun 1, 2017
Book Page	2017/1414
Instrument	2017 1414

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	922 E 15TH ST, SPENCER, IA 51301-4732
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 3399
Date	Dec 26, 2017
Book Page	2017/3399
Instrument	2017 3399

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,140.00 (+7.86%) Homeowner's exemption	$165,210 (+11.7%) Land $23,280 Building $141,930	$165,210 (+11.7%) Land $23,280 Building $141,930
2024	$1,984.00 (-4.52%)
2023		$147,910 (+16.67%) Land $17,960 Building $129,950	$147,910 (+16.67%) Land $17,960 Building $129,950
2022	$2,078.00 Homeowner's exemption	$126,780 Land $17,960 Building $108,820
2021			$126,780 Land $17,960 Building $108,820

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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