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

Clay County property record for 925 E 19th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,580 sqft · built 1979
Lot Size	0.482 acres (21,000 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Dec 2020)
Tax Bill	$4,174 (2025)
Deeds & Mortgages	Apr 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606479006`

Property Details

APN / Parcel Number

Primary APN	`963606479006`
Alternative APN	`64096360647900600`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,580 sqft Living Area
Basement Area	1,580 sqft
Finished Basement	1,200 sqft
Unfinished Basement	1,580 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,000 sqft (0.482 acres)
Lot Dimensions	140 ft deep x 150 ft wide
Garage Type	Mixed
Garage Area	1,167 sqft
Parking Spaces	4 Parking Spaces
Porch	Patio
Porch Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	925 E 19TH ST
City	SPENCER
State	IA
Zip	51301-2439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 2 CEDAR HILL ADD
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

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	Individual Name on Record
Mailing Address	925 E 19TH ST, SPENCER, IA 51301-2439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWESTERN BANK
Dec 7, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Deed Document Number	20203879
Deed Book / Page	2020 / 3879
Prior Transfer Date	Sep 8, 2006
Prior Transfer Doc	2006/2850
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	925 E 19TH ST, SPENCER, IA 51301-2439
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/741
Date	Apr 26, 2023
Book Page	2023/741
Instrument	2023 741

Lender

Name	NORTHWESTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

Interest

Rate Type	Adjustable Rate

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 7, 2020
Property Address	925 E 19TH ST, SPENCER, IA 51301-2439
Document Number	02020/3879
Book / Page	2020 / 3879
Instrument Date	Nov 3, 2020
Instrument	2020 3879
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$343.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 E 19TH ST, SPENCER, IA 51301-2439

Mortgage

Document Number	02020/3880
Date	Dec 7, 2020
Book Page	2020/3880
Instrument	2020 3880

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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	$4,174.00 (+4.72%) Homeowner's exemption	$283,440 (+9.36%) Land $33,750 Building $249,690	$283,440 (+9.36%) Land $33,750 Building $249,690
2024	$3,986.00 (+7.61%)
2023		$259,180 (+18.29%) Land $28,130 Building $231,050	$259,180 (+18.29%) Land $28,130 Building $231,050
2022	$3,704.00 Homeowner's exemption	$219,100 Land $28,130 Building $190,970
2021			$219,100 Land $28,130 Building $190,970

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 · 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

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Premier Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
GigFire Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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