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

Clay County property record for 403 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 880 sqft · built 1947
Lot Size	0.154 acres (6,750 sqft)
Owner	Company Name on File
Last Sale	$64,000 (Oct 2017)
Tax Bill	$2,334 (2024)
Deeds & Mortgages	Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607207017`

Property Details

APN / Parcel Number

Primary APN	`963607207017`
Alternative APN	`64096360720701700`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	768 sqft
Basement Area	880 sqft
Finished Basement	175 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,750 sqft (0.154 acres)
Lot Dimensions	135 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720701700
Street Address	403 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	9 3 TRIPP
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3017
Census Tract	80200

Owner

Source: Clay County records · APN 963607207017

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1760 290TH ST, SPENCER, IA 51301-7409
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 10, 2017 · Amount on Record
Deed Sale	Oct 10, 2017 · Amount on Record
Deed Document Number	2017 2649
Deed Book / Page	2017 / 2649
Record Updated	Jun 08, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 10, 2017
Property Address	403 E 14TH ST, SPENCER, IA 51301-4543
Document Number	02017/2649
Book / Page	2017 / 2649
Instrument Date	Oct 09, 2017
Instrument	2017 2649
Transaction Type	Transfer
Record Updated	Jul 08, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1760 290TH ST, SPENCER, IA 51301-7409

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$127,600 (+15.32%) Land $19,800 Building $107,800	$127,600 (+15.32%) Land $19,800 Building $107,800
2024	$2,334.00 (+4.66%)
2023		$110,650 (+16.86%) Land $13,860 Building $96,790	$110,650 (+16.86%) Land $13,860 Building $96,790
2022	$2,230.00	$94,690 Land $13,860 Building $80,830
2021			$94,690 Land $13,860 Building $80,830

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (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: AMG Technology Investment Group, Verizon.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.