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

Clay County property record for 204 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,496 sqft · built 1955
Lot Size	0.158 acres (6,900 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (May 2022)
Tax Bill	$3,350 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607179002`

Property Details

APN / Parcel Number

Primary APN	`963607179002`
Alternative APN	`64096360717900200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	1,304 sqft
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	115 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	348 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	204 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 KETCHAM'S SUBDIV.
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	KETCHAM SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3028
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	204 E 14TH ST, SPENCER, IA 51301-4439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2020	Deed of Trust, Mortgage · VA Mortgage GATEWAY MORTGAGE GROUP INC
Feb 11, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
May 3, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Oct 30, 2019	Warranty Deed, Transfer · VA Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2022 · Amount on Record
Deed Sale	May 3, 2022 · Amount on Record
Prior Sale	Oct 30, 2019 · Amount on Record
Deed Document Number	20221124
Deed Book / Page	2022 / 1124
Transfer Doc	0000000867
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	204 E 14TH ST, SPENCER, IA 51301-4439
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/3962
Date	Dec 14, 2020
Book Page	2020/3962
Instrument	2020 3962

Lender

Name	GATEWAY MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	204 E 14TH ST, SPENCER, IA 51301-4439
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/359
Date	Feb 11, 2019
Book Page	2019/359
Instrument	359

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 3, 2022
Property Address	204 E 14TH ST, SPENCER, IA 51301-4439
Document Number	02022/1124
Book / Page	2022 / 1124
Instrument Date	Apr 29, 2022
Instrument	2022 1124
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$274.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 E 14TH ST, SPENCER, IA 51301-4439

Mortgage

Document Number	02022/1125
Date	May 3, 2022
Book Page	2022/1125
Instrument	2022 1125

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 30, 2019
Property Address	204 E 14TH ST, SPENCER, IA 51301-4439
Document Number	02019/2890
Book / Page	2019 / 2890
Instrument Date	Oct 16, 2019
Instrument	2890
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Amount	Amount Recorded
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	204 E 14TH ST, SPENCER, IA 51301-4439

Mortgage

Document Number	02019/2891
Date	Oct 30, 2019
Book Page	2019/2891
Instrument	2891

Lender

Name	NORTHWEST BANK

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$3,350.00 (+4.69%) Homeowner's exemption	$229,590 (+9.26%) Land $22,560 Building $207,030	$229,590 (+9.26%) Land $22,560 Building $207,030
2024	$3,200.00 (+8.4%)
2023		$210,140 (+19.1%) Land $15,790 Building $194,350	$210,140 (+19.1%) Land $15,790 Building $194,350
2022	$2,952.00 Homeowner's exemption	$176,440 Land $15,790 Building $160,650
2021			$176,440 Land $15,790 Building $160,650

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	Not rated no burnable land within 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 451 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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