1503 Marks Ct, Spencer, IA 51301 Property Records

Clay County property record for 1503 Marks Ct, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,004 sqft · built 1977
Lot Size	0.22 acres (9,600 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,208 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963712177002`

Property Details

APN / Parcel Number

Primary APN	`963712177002`
Alternative APN	`64096371217700200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,004 sqft Living Area
Basement Area	1,004 sqft
Finished Basement	800 sqft
Unfinished Basement	1,004 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1503 MARKS CT
City	SPENCER
State	IA
Zip	51301-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27 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	2045
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	1503 MARKS CT, SPENCER, IA 51301-2831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

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

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1503 MARKS CT, SPENCER, IA 51301-2831
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/776
Date	May 1, 2023
Book Page	2023/776
Instrument	2023 776

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 28, 2033

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1503 MARKS CT, SPENCER, IA 51301-2831
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/223
Date	Jan 26, 2021
Book Page	2021/223
Instrument	2021 0223

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

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	$3,208.00 (+2.56%) Homeowner's exemption	$220,360 (+7.16%) Land $34,200 Building $186,160	$220,360 (+7.16%) Land $34,200 Building $186,160
2024	$3,128.00 (+3.99%)
2023		$205,640 (+14.45%) Land $30,400 Building $175,240	$205,640 (+14.45%) Land $30,400 Building $175,240
2022	$3,008.00 Homeowner's exemption	$179,680 Land $30,400 Building $149,280
2021			$179,680 Land $30,400 Building $149,280

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 355 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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