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

Clay County property record for 221 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 816 sqft · built 1900
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Tax Bill	$1,168 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607142021`

Property Details

APN / Parcel Number

Primary APN	`963607142021`
Alternative APN	`64096360714202100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	816 sqft Living Area
1st Floor Area	480 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	65 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	221 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 40' OF E 100' OF LOT 13 & E 100' OF N 24-3/4' OF LOT 14 G&A 2ND
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	G & A 2ND ADDITION
Legal Lot Number	13,14
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3015
Census Tract	80200

Owner

221 E 14th St is owned by an individual who acquired it in June 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1523 18TH AVE W, SPENCER, IA 51301-2734
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
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Apr 27, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 28, 2023
Transfer Doc	0000001433
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	221 E 14TH ST, SPENCER, IA 51301-4440
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1083
Date	Apr 29, 2020
Book Page	2020/1083
Instrument	2020 1083

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year CMT
Margin	3

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Apr 27, 2020
Property Address	221 E 14TH ST, SPENCER, IA 51301-4440
Document Number	2020/1035
Book / Page	2020 / 1035
Instrument Date	Mar 20, 2020
Instrument	2020 1035
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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	221 E 14TH ST, SPENCER, IA 51301-4440

Tax Assessment & Valuation

The 2025 property tax bill for 221 E 14th St was $1,168, up 10.4% 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	$1,168.00 (+10.4%)	$76,300 Land $21,440 Building $54,860	$76,300 Land $21,440 Building $54,860
2024	$1,058.00
2023		$66,050 (+15.39%) Land $15,010 Building $51,040	$66,050 Land $15,010 Building $51,040
2022	$852.00 Homeowner's exemption	$57,240 Land $15,010 Building $42,230
2021			$57,240 Land $15,010 Building $42,230

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

Flood

FEMA maps place 221 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

The area around 221 E 14th St has no burnable land within ember reach, so its wildfire risk is not rated.

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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