Clay County property record for 321 E 14th St, Spencer, IA 51301 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1947 |
| Square Footage | 768 sqft Living Area |
| Lot Size | 6,750 sqft (0.155 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $135,000 (2026) |
| Tax Bill | $2,279.00 (2025) |
| Primary APN | 963607206021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 768 sqft Living Area |
| Basement Area | 768 sqft Basement |
| Finished Basement | 350 sqft Finished |
| Unfinished Basement | 768 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 6,750 sqft (0.155 acres) |
| Depth X Width | 135 ft x 50 ft Depth x Width |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 280 sqft Garage |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Water Source | Commercial Water Source |
| Street Address | 321 E 14TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4541 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 14 4 TRIPP |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | TRIPP'S ADDITION |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 3 |
| Census Block | 3016 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607206021
Assessment roll updated September 30, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 06, 2024 | Deed of Trust, Mortgage · Line of Credit LEIGHTON STATE BANK |
| Apr 27, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| May 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK |
| Dec 23, 2024 | Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK |
| Apr 27, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 24, 2023 | Warranty Deed, Transfer · Line of Credit FARMERS TRUST & SAVINGS BANK |
| Oct 31, 2008 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Prior Sale | Oct 31, 2008 |
| Deed Doc Number | 20261237 |
| Deed Book / Page | 2026 / 1237 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2380 320TH ST, SPENCER, IA 51301-7432 |
| Document Number | 002024/385 |
|---|---|
| Date | Mar 06, 2024 |
| Book Page | 2024/385 |
| Instrument | 2024 385 |
| Name | LEIGHTON STATE BANK |
|---|---|
| Type | Bank |
| Address | FOSTORIA, IA 51340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000001033 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 0000002018/0000001033 |
| Instrument | 000000001033 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 26, 2026 |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0000001237 |
| Book / Page | 2026 / 1237 |
| Instrument Date | May 17, 2026 |
| Instrument | 20261237 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,735.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0000001238, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 20261238 |
| Name | CENTRAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Dec 23, 2024 |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 02024/3015 |
| Book / Page | 2024 / 3015 |
| Instrument Date | Dec 18, 2024 |
| Instrument | 2024 3015 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $191.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0020243016 |
|---|---|
| Date | Dec 23, 2024 |
| Instrument | 2024 3016 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Transaction Type | Mortgage |
| Record Updated | Dec 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000001033 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 0000002018/0000001033 |
| Instrument | 000000001033 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Oct 24, 2023 |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 02023/2445 |
| Book / Page | 2023 / 2445 |
| Instrument Date | Oct 13, 2023 |
| Instrument | 2023 2445 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $111.20 |
| Amount Accuracy | Rounded Values by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2380 320TH ST, SPENCER, IA 51301-7432 |
| Document Number | 0020232475 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023 2475 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Oct 31, 2008 |
| Property Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 02008/3162 |
| Book / Page | 2008 / 3162 |
| Instrument Date | Oct 28, 2008 |
| Instrument | 2008 3162 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 321 E 14TH ST, SPENCER, IA 51301-4541 |
| Document Number | 0020083163 |
|---|---|
| Date | Oct 31, 2008 |
| Instrument | 2008 3163 |
| Name | MORTGAGE SERVICES III LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2038 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified June 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 | $2,279.00 (-1.72%) | $103,720 (+13.94%) Land $19,800 Building $83,920 | $103,720 (+13.94%) Land $19,800 Building $83,920 |
| 2024 | $2,319.00 (+0.26%) | ||
| 2023 | $91,030 (+15.95%) Land $13,860 Building $77,170 | $91,030 (+15.95%) Land $13,860 Building $77,170 | |
| 2022 | $2,313.00 | $78,510 Land $13,860 Building $64,650 | |
| 2021 | $78,510 Land $13,860 Building $64,650 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | 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.
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