414 2nd St, Dickens, IA 51333 Property Records

Clay County property record for 414 2nd St, Dickens, IA 51333

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,548 sqft · built 2019
Lot Size	0.652 acres (28,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,230 (2025)
Deeds & Mortgages	Dec 2019 Refinance Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963518403012`

Property Details

APN / Parcel Number

Primary APN	`963518403012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,548 sqft Living Area
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Mobile Home
Exterior Material	Vinyl
Construction Type	Manufactured
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,400 sqft (0.652 acres)
Lot Dimensions	142 ft deep x 200 ft wide
Garage Type	Detached
Garage Area	1,432 sqft
Parking Spaces	5 Parking Spaces
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	414 2ND ST
City	DICKENS
State	IA
Zip	51333-7912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1 AGRICU
Legal Description	1 & E 60' 2 2 2ND ADD
Legal Subdivision	SECOND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	FREEMAN
Census Block Group	1
Census Block	1026
Census Tract	80100

Owner

414 2nd St is owned and occupied by two individuals who acquired it in April 2005.

Source: Clay County records, as of September 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 594, SPENCER, IA 51301-0594
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance BANKWEST INC
Jul 1, 2019	Deed of Trust, Mortgage · Balloon Mortgage BANKWEST INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 27, 2005
Transfer Doc	02005/1422
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	414 2ND ST, DICKENS, IA 51333-7912
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/3482
Date	Dec 30, 2019
Book Page	2019/3482
Instrument	3482

Lender

Name	BANKWEST INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	414 2ND ST, DICKENS, IA 51333-7912
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1653
Date	Jul 1, 2019
Book Page	2019/1653
Instrument	1653

Lender

Name	BANKWEST INC

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	13 Months
Due	Aug 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 414 2nd St was $1,230 with a homeowner's exemption, down 8.8% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Dickens City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,230.00 (-8.75%) Homeowner's exemption	$116,270 Land $10,000 Building $106,270	$116,270 Land $10,000 Building $106,270
2024	$1,348.00
2023		$119,080 (+15.8%) Land $10,000 Building $109,080	$119,080 Land $10,000 Building $109,080
2022	$1,356.00 Homeowner's exemption	$102,830 Land $10,000 Building $92,830
2021			$102,830 Land $10,000 Building $92,830

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

Flood

FEMA maps place 414 2nd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 414 2nd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DICKENS WATER WORKS serves 146 people · EPA ID IA2109041
Water Source	Purchased groundwater from IOWA LAKES REGIONAL WATER
Last State Inspection	Aug 2023
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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Premier Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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