Clay County property record for 313 E 14th St, Spencer, IA 51301 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1947 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Jan 2026) |
| Tax Bill | $1,306 (2025) |
| Deeds & Mortgages | May 2026 Sale Dec 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607206018 |
| Primary APN | 963607206018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| Basement Area | 768 sqft |
| Finished Basement | 418 sqft |
| Unfinished Basement | 768 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 313 E 14TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 4 TRIPP |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | TRIPP'S ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607206018
Assessment roll updated September 30, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1909 18TH AVE W, SPENCER, IA 51301-2742 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 27, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 29, 2022 | Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK |
| Jan 06, 2026 | Warranty Deed, Transfer · Line of Credit FARMERS TRUST & SAVINGS BANK |
| Jun 04, 2012 | Contract Sale, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2026 · Amount on Record |
| Deed Sale | Jan 06, 2026 · Amount on Record |
| Prior Sale | Jun 04, 2012 · Amount on Record |
| Deed Document Number | 202663 |
| Deed Book / Page | 2026 / 63 |
| Prior Transfer Date | Dec 31, 2025 |
| Prior Transfer Doc | 0000000062 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 27, 2026 |
| Property Address | 313 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0000001245 |
| Book / Page | 2026 / 1245 |
| Instrument Date | May 22, 2026 |
| Instrument | 20261245 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1909 18TH AVE W, SPENCER, IA 51301-2742 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 313 E 14TH ST, SPENCER, IA 51301-4541 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02022/3295 |
|---|---|
| Date | Dec 29, 2022 |
| Book Page | 2022/3295 |
| Instrument | 2022 3295 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Jan 01, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jan 06, 2026 |
| Property Address | 313 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0002026/63 |
| Book / Page | 2026 / 63 |
| Instrument Date | Dec 31, 2025 |
| Instrument | 2026 63 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1909 18TH AVE W, SPENCER, IA 51301-2742 |
| Document Number | 0000202664 |
|---|---|
| Date | Jan 06, 2026 |
| Instrument | 2026 64 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 04, 2012 |
| Property Address | 313 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 02012/1618 |
| Book / Page | 2012 / 1618 |
| Instrument Date | May 31, 2012 |
| Instrument | 2012 1618 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 722 4TH AVE E, SPENCER, IA 51301-4501 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,306.00 Homeowner's exemption | $104,540 (+13.89%) Land $19,800 Building $84,740 | $104,540 (+13.89%) Land $19,800 Building $84,740 |
| 2024 | $1,306.00 (-6.31%) | ||
| 2023 | $91,790 (+16%) Land $13,860 Building $77,930 | $91,790 (+16%) Land $13,860 Building $77,930 | |
| 2022 | $1,394.00 | $79,130 Land $13,860 Building $65,270 | |
| 2021 | $79,130 Land $13,860 Building $65,270 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 451 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spencer Municipal Communications Utility | Fiber | 1,000 / 1,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AMG Technology Investment Group, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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