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

Clay County property record for 404 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1900
Lot Size	0.138 acres (6,020 sqft)
Owner	Individual Name on Record
Last Sale	$77,000 (Sep 2019)
Tax Bill	$1,392 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607252002`

Property Details

APN / Parcel Number

Primary APN	`963607252002`
Alternative APN	`64096360725200200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,280 sqft Living Area
1st Floor Area	640 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Type	Mixed
Garage Area	240 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	220 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	404 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 1 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3026
Census Tract	80200

Owner

Source: Clay County records, as of May 27, 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 Record
Mailing Address	404 E 14TH ST, SPENCER, IA 51301-4542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
May 1, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Sep 27, 2019	Warranty Deed, Transfer · ARM FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2019 · Amount on Record
Deed Sale	Sep 27, 2019 · Amount on Record
Prior Sale	May 24, 2011 · Amount on Record
Deed Document Number	20192560
Deed Book / Page	2019 / 2560
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Apr 29, 2026
Property Address	404 E 14TH ST, SPENCER, IA 51301-4542
Document Number	02026/1008
Book / Page	2026 / 1008
Instrument Date	Apr 23, 2026
Instrument	20261008
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E 14TH ST, SPENCER, IA 51301-4542

Mortgage

Document Number	0000001008,
Date	Apr 29, 2026
Book Page	2026/1008
Instrument	20261008

Lender

Name	NORTHWEST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	404 E 14TH ST, SPENCER, IA 51301-4542
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/768
Date	May 1, 2023
Book Page	2023/768
Instrument	2023 768

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2033

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 27, 2019
Property Address	404 E 14TH ST, SPENCER, IA 51301-4542
Document Number	2019/2560
Book / Page	2019 / 2560
Instrument Date	Sep 24, 2019
Instrument	2560
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 E 14TH ST, SPENCER, IA 51301-4542

Mortgage

Document Number	2019/2561
Date	Sep 27, 2019
Book Page	2019/2561
Instrument	2561

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2024
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

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	$1,392.00 (-9.08%) Homeowner's exemption	$112,970 (+16.22%) Land $17,200 Building $95,770	$112,970 (+16.22%) Land $17,200 Building $95,770
2024	$1,531.00 (+7.14%)
2023		$97,200 (+18.39%) Land $12,040 Building $85,160	$97,200 (+18.39%) Land $12,040 Building $85,160
2022	$1,429.00 Homeowner's exemption	$82,100 Land $12,040 Building $70,060
2021			$82,100 Land $12,040 Building $70,060

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

Flood

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

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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