Clay County property record for 409 E 14th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1950 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $52,000 (Nov 2008) |
| Tax Bill | $1,249 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607207019 |
| Primary APN | 963607207019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 672 sqft Living Area |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/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 | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 192 sqft |
| Patio Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 409 E 14TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4543 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 3 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 | 3017 |
| Census Tract | 80200 |
Source: Clay County assessment roll, as of September 30, 2025
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 | 918 E 14TH ST, SPENCER, IA 51301-4762 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 25, 2008 · Amount on Record |
| Deed Sale | Nov 25, 2008 · Amount on Record |
| Deed Document Number | 20083398 |
| Deed Book / Page | 2008 / 3398 |
| Last Transfer Date | Feb 24, 2014 |
| Transfer Doc | 2014/0539 |
| Record Updated | Jun 8, 2026 |
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 | $1,249.00 (-0.4%) | $89,280 (+31.74%) Land $19,800 Building $69,480 | $89,280 (+31.74%) Land $19,800 Building $69,480 |
| 2024 | $1,254.00 (+3.81%) | ||
| 2023 | $67,770 (+15.06%) Land $13,860 Building $53,910 | $67,770 (+15.06%) Land $13,860 Building $53,910 | |
| 2022 | $1,208.00 | $58,900 Land $13,860 Building $45,040 | |
| 2021 | $58,900 Land $13,860 Building $45,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 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.
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