Clay County property record for 315 E 14th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 992 sqft · built 1947 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $122,500 (Feb 2025) |
| Tax Bill | $1,646 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607206019 |
| Primary APN | 963607206019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Basement Area | 912 sqft |
| Finished Basement | 275 sqft |
| Unfinished Basement | 912 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 420 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 315 E 14TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4541 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 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 |
315 E 14th St is owned and occupied by two individuals who bought it in February 2025.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 E 14TH ST, SPENCER, IA 51301-4541 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2025 · Amount on File |
| Deed Sale | Feb 24, 2025 · Amount on File |
| Deed Document Number | 2025457 |
| Deed Book / Page | 2025 / 457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 315 E 14TH ST, SPENCER, IA 51301-4541 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2026 |
| Name | Verified Name |
|---|---|
| Address | 315 E 14TH ST, SPENCER, IA 51301-4541 |
| Investor | Possibly a Property Investor |
| Document Number | 002026/613 |
|---|---|
| Date | Mar 16, 2026 |
| Book Page | 2026/613 |
| Instrument | 2026 613 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
The 2025 property tax bill for 315 E 14th St was $1,646, down 2% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,646.00 (-1.97%) | $107,550 Land $19,800 Building $87,750 | $107,550 Land $19,800 Building $87,750 |
| 2024 | $1,679.00 | ||
| 2023 | $94,540 (+15.65%) Land $13,860 Building $80,680 | $94,540 Land $13,860 Building $80,680 | |
| 2022 | $1,605.00 | $81,750 Land $13,860 Building $67,890 | |
| 2021 | $81,750 Land $13,860 Building $67,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 315 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.
The area around 315 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.
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 |
| 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.
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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