1406 Marks Ct, Spencer, IA 51301 Property Records

Clay County property record for 1406 Marks Ct, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,469 sqft · built 1976
Lot Size	0.205 acres (8,910 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Oct 2018)
Tax Bill	$3,346 (2025)
Deeds & Mortgages	Sep 2020 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963712130018`

Property Details

APN / Parcel Number

Primary APN	`963712130018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,469 sqft Living Area
Basement Area	1,102 sqft
Unfinished Basement	1,102 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,910 sqft (0.205 acres)
Lot Dimensions	110 ft deep x 81 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Deck Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1406 MARKS CT
City	SPENCER
State	IA
Zip	51301-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 HALLETTS 4TH Y PT 7 HALLETTS 4TH Y
Legal Range	37W
Legal Township	96N
Legal Section	12
Legal Subdivision	HALLETT'S 4TH Y ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2046
Census Tract	80301

Owner

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	2 Individual Names on Record
Mailing Address	1406 MARKS CT, SPENCER, IA 51301-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 13, 2023	Intrafamily Transfer, Transfer
May 28, 2020	Intrafamily Transfer, Transfer
Oct 30, 2018	Warranty Deed, Transfer NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	20182869
Deed Book / Page	2018 / 2869
Last Transfer Date	Dec 13, 2023
Transfer Doc	02023/2823
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1406 MARKS CT, SPENCER, IA 51301-2828
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2970
Date	Sep 28, 2020
Book Page	2020/2970
Instrument	2020 2970

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1406 MARKS CT, SPENCER, IA 51301-2828
Transaction Type	Mortgage
Record Updated	Jan 24, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/1120
Date	May 1, 2020
Book Page	2020/1120
Instrument	2020 1120

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2040

Interest

Rate Type	Fixed Rate

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Dec 13, 2023
Property Address	1406 MARKS CT, SPENCER, IA 51301-2828
Document Number	02023/2823
Book / Page	2023 / 2823
Instrument Date	Dec 11, 2023
Instrument	2023 2823
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1406 MARKS CT, SPENCER, IA 51301-2828

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	May 28, 2020
Property Address	1406 MARKS CT, SPENCER, IA 51301-2828
Document Number	02020/1415
Book / Page	2020 / 1415
Instrument Date	Apr 23, 2020
Instrument	2020 1415
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 MARKS CT, SPENCER, IA 51301-2828

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 30, 2018
Property Address	1406 MARKS CT, SPENCER, IA 51301-2828
Document Number	02018/2869
Book / Page	2018 / 2869
Instrument Date	Oct 23, 2018
Instrument	000000002869
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 MARKS CT, SPENCER, IA 51301-2828

Mortgage

Document Number	0000002018/0000002870
Date	Oct 30, 2018
Book Page	0000002018/0000002870
Instrument	000000002870

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

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	$3,346.00 (+2.7%) Homeowner's exemption	$243,960 (+7.28%) Land $33,530 Building $210,430	$243,960 (+7.28%) Land $33,530 Building $210,430
2024	$3,258.00 (-3.61%)
2023		$227,410 (+13.27%) Land $29,810 Building $197,600	$227,410 (+13.27%) Land $29,810 Building $197,600
2022	$3,380.00 Homeowner's exemption	$200,760 Land $29,810 Building $170,950
2021			$200,760 Land $29,810 Building $170,950

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 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	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 66 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	1,000 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: GigFire, Verizon.

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