111 E 14th St, Spencer, IA 51301 Property Records

Clay County property record for 111 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,492 sqft · built 1946
Lot Size	0.147 acres (6,400 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Nov 2020)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Mar 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607141011`

Property Details

APN / Parcel Number

Primary APN	`963607141011`
Alternative APN	`64096360714101100`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	4 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
1st Floor Area	946 sqft
Attic	Attic
Attic Area	426 sqft
Basement Area	946 sqft
Finished Basement	275 sqft
Unfinished Basement	946 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,400 sqft (0.147 acres)
Lot Dimensions	100 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	367 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	111 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 EXC E 6' THEREOF 5-6 16 CARLSEN'S SUB
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	CARLSEN'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3083
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	111 E 14TH ST, SPENCER, IA 51301-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 28, 2017	Warranty Deed, Transfer
Mar 28, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Mar 28, 2017 · Amount on Record
Deed Document Number	20203414
Deed Book / Page	2020 / 3414
Prior Transfer Date	Sep 1, 2006
Prior Transfer Doc	02006/2788
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 4, 2020
Property Address	111 E 14TH ST, SPENCER, IA 51301-4333
Document Number	02020/3414
Book / Page	2020 / 3414
Instrument Date	Oct 8, 2020
Instrument	2020 3414
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 R 14TH ST, R, SPENCER, IA 51301

Mortgage

Document Number	2020341520203415
Date	Nov 4, 2020
Instrument	2020 341520203415

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 28, 2017
Property Address	111 E 14TH ST, SPENCER, IA 51301-4333
Document Number	02017/0734
Book / Page	2017 / 0734
Instrument Date	Mar 27, 2017
Instrument	2017 0734
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	3200 20TH ST SE, MINOT, ND 58701-7573

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 28, 2017
Property Address	111 E 14TH ST, SPENCER, IA 51301-4333
Document Number	002017/734
Book / Page	2017 / 734
Instrument Date	Mar 27, 2017
Instrument	2017 734
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Tax	$206.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3200 20TH ST SE, MINOT, ND 58701-7573

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	$2,488.00 (+5.16%) Homeowner's exemption	$173,380 (+9.76%) Land $22,530 Building $150,850	$173,380 (+9.76%) Land $22,530 Building $150,850
2024	$2,366.00 (+8.23%)
2023		$157,960 (+18.78%) Land $15,770 Building $142,190	$157,960 (+18.78%) Land $15,770 Building $142,190
2022	$2,186.00 Homeowner's exemption	$132,980 Land $15,770 Building $117,210
2021			$132,980 Land $15,770 Building $117,210

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 99.1% of the US · lower than 91% 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 326 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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