1602 Marks Ct, Spencer, IA 51301 Property Records

Clay County property record for 1602 Marks Ct, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,920 sqft · built 1976
Lot Size	0.478 acres (20,800 sqft)
Owner	2 Individual Names on File
Last Sale	$74,500 (Mar 2021)
Tax Bill	$5,872 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2023 Second Mortgage + 12 more
Flood Zone	Zone X (minimal risk)
APN	`963712126029`

Property Details

APN / Parcel Number

Primary APN	`963712126029`
Alternative APN	`64096371212602900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Building Area	1,920 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,920 sqft
Finished Basement	975 sqft
Unfinished Basement	1,920 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,800 sqft (0.478 acres)
Lot Dimensions	260 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	2,004 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	256 sqft
Deck Area	625 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1602 MARKS CT
City	SPENCER
State	IA
Zip	51301-2832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 HALLETTS 4TH Y & LOT 4 DETTMER'S FIRST ADDITION
Legal Range	37W
Legal Township	96N
Legal Section	12
Legal Subdivision	HALLETT'S 4TH Y ADDITION
Legal Lot Number	4
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2006
Census Tract	80301

Owner

1602 Marks Ct is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1602 MARKS CT, SPENCER, IA 51301-2832
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 18, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage STATE BANK
Jun 10, 2016	Deed of Trust, Mortgage · Commercial Mortgage STATE BANK
Jan 31, 2005	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 27, 2005	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST AND SAVINGS BANK
Jul 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
	Deed of Trust, Mortgage
Jul 30, 2009	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK SPENCER
Mar 31, 2026	Warranty Deed, Transfer · VA Mortgage USAA FSB
Apr 26, 2024	Affidavit of Death of Joint Tenant, Transfer
Mar 25, 2021	Warranty Deed, Transfer
May 5, 2014	Warranty Deed, Transfer
Feb 4, 2013	Warranty Deed, Transfer
Sep 14, 2007	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2021 · Amount on File
Deed Sale	Mar 25, 2021 · Amount on File
Prior Sale	May 5, 2014 · Amount on File
Deed Document Number	2021931
Deed Book / Page	2021 / 931
Prior Transfer Date	Sep 7, 2007
Prior Transfer Doc	02007/2834
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/1852
Date	Jun 14, 2021
Book Page	2021/1852
Instrument	2021 1852

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2031

Interest

Rate Type	Fixed Rate

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1602 MARKS CT, SPENCER, IA 51301-2832
Investor	Possibly a Property Investor

Mortgage

Document Number	02023/1780
Date	Aug 18, 2023
Book Page	2023/1780
Instrument	2023 1780

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02016/1568
Date	Jun 10, 2016
Book Page	2016/1568
Instrument	2016 1568

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02005/0392
Date	Jan 31, 2005
Book Page	2005/0392
Instrument	2005 0392

Lender

Name	FARMERS TRUST & SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2035

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02005/1403
Date	Apr 27, 2005
Book Page	2005/1403
Instrument	2005 1403

Lender

Name	FARMERS TRUST AND SAVINGS BANK
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02009/2525
Date	Jul 30, 2009
Book Page	2009/2525
Instrument	2009 2525

Lender

Name	STATE BANK
Type	Bank
Address	PETERSON, IA 51047

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2039

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

July 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02009/2527
Date	Jul 30, 2009
Book Page	2009/2527
Instrument	2009 2527

Lender

Name	STATE BANK SPENCER
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 23, 2014

Interest

Rate	6%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 31, 2026
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	002026/713
Book / Page	2026 / 713
Instrument Date	Mar 29, 2026
Instrument	2026 713
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$463.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1121 W 13TH ST, SPENCER, IA 51301-2937

Mortgage

Document Number	0002026714
Date	Mar 31, 2026
Instrument	2026 714

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

April 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Apr 26, 2024
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	002024/785
Book / Page	2024 / 785
Instrument Date	Apr 12, 2024
Instrument	2024 785
Transaction Type	Transfer
Record Updated	Apr 21, 2026

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	1204 13TH AVE W, SPENCER, IA 51301-2932
Mail Care Of	EVAN D MILLER

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 25, 2021
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	002021/931
Book / Page	2021 / 931
Instrument Date	Mar 24, 2021
Instrument	2021 931
Transaction Type	Transfer
Record Updated	Aug 17, 2022

Transaction

Amount	Amount on Record
Tax	$118.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2285 195TH AVE, MILFORD, IA 51351-7149

May 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 5, 2014
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	02014/1087
Book / Page	2014 / 1087
Instrument Date	May 3, 2014
Instrument	2014 1087
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Tax	$111.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2285 195TH AVE, MILFORD, IA 51351-7149
Investor	Possibly a Property Investor

February 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 4, 2013
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	02013/0379
Book / Page	2013 / 0379
Instrument Date	Jan 28, 2013
Instrument	2013 0379
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Tax	$95.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 HIGHWAY AVE SW, SPENCER, IA 51301-7707

September 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Sep 14, 2007
Property Address	1602 MARKS CT, SPENCER, IA 51301-2832
Document Number	02007/2834
Book / Page	2007 / 2834
Instrument Date	Sep 7, 2007
Instrument	2007 2834
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1222 18TH AVE W, SPENCER, IA 51301-2727

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1222 18TH AVE W, SPENCER, IA 51301-2727

Tax Assessment & Valuation

The 2025 property tax bill for 1602 Marks Ct was $5,872 with a homeowner's exemption, up 2.2% 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	$5,872.00 (+2.23%) Homeowner's exemption	$394,340 Land $42,120 Building $352,220	$394,340 Land $42,120 Building $352,220
2024	$5,744.00
2023		$369,070 (+14.01%) Land $37,440 Building $331,630	$369,070 Land $37,440 Building $331,630
2022	$5,546.00 Homeowner's exemption	$323,710 Land $37,440 Building $286,270
2021			$323,710 Land $37,440 Building $286,270

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

Flood

FEMA maps place 1602 Marks Ct 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 1602 Marks Ct 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 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 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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