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

Clay County property record for 123 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,270 sqft · built 1946
Lot Size	0.173 acres (7,550 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Aug 2011)
Tax Bill	$2,194 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607141012`

Property Details

APN / Parcel Number

Primary APN	`963607141012`
Alternative APN	`64096360714101200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,270 sqft Living Area
1st Floor Area	808 sqft
Attic	Attic
Attic Area	364 sqft
Basement Area	906 sqft
Finished Basement	150 sqft
Unfinished Basement	906 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,550 sqft (0.173 acres)
Garage Type	Detached
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	123 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 & E 6' OF W 1/2 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

123 E 14th St is owned and occupied by an individual who bought it in August 2011.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	123 E 14TH ST, SPENCER, IA 51301-4333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Apr 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2011 · Amount on File
Deed Sale	Aug 16, 2011 · Amount on File
Deed Document Number	20112036
Deed Book / Page	2011 / 2036
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	123 E 14TH ST, SPENCER, IA 51301-4333
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1108
Date	Jun 7, 2023
Book Page	2023/1108
Instrument	2023 1108

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 25, 2033

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	123 E 14TH ST, SPENCER, IA 51301-4333
Transaction Type	Mortgage
Record Updated	May 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/820
Date	Apr 2, 2020
Book Page	2020/820
Instrument	820

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	123 E 14TH ST, SPENCER, IA 51301-4333
Transaction Type	Mortgage
Record Updated	May 1, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/806
Date	Apr 5, 2019
Book Page	2019/806
Instrument	806

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 123 E 14th St was $2,194 with a homeowner's exemption, up 7.4% 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	$2,194.00 (+7.44%) Homeowner's exemption	$163,130 Land $26,640 Building $136,490	$163,130 Land $26,640 Building $136,490
2024	$2,042.00
2023		$146,210 (+18.11%) Land $18,640 Building $127,570	$146,210 Land $18,640 Building $127,570
2022	$1,964.00 Homeowner's exemption	$123,790 Land $18,640 Building $105,150
2021			$123,790 Land $18,640 Building $105,150

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

Flood

FEMA maps place 123 E 14th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 123 E 14th 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 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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