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

Clay County property record for 421 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 985 sqft · built 1940
Lot Size	0.154 acres (6,750 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Nov 2022)
Tax Bill	$2,113 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607207022`

Property Details

APN / Parcel Number

Primary APN	`963607207022`
Alternative APN	`64096360720702200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	985 sqft Living Area
1st Floor Area	760 sqft
Basement Area	760 sqft
Finished Basement	200 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
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	308 sqft
Parking Spaces	1 Parking Space
Deck Area	148 sqft
Patio Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720702200
Street Address	421 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	14 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 assessment roll, as of May 1, 2025

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	421 E 14TH ST, SPENCER, IA 51301-4543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Dec 9, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage STATE BANK
Sep 3, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CENTRAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 28, 2022 · Amount on Record
Deed Sale	Nov 28, 2022 · Amount on Record
Prior Sale	Nov 28, 2022 · Amount on Record
Deed Document Number	02022/3044
Deed Book / Page	2022 / 3044
Last Transfer Date	Oct 8, 2024
Transfer Doc	02024/2115
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 28, 2022
Property Address	421 E 14TH ST, SPENCER, IA 51301-4543
Document Number	02022/3044
Book / Page	2022 / 3044
Instrument Date	Nov 13, 2022
Instrument	2022 3044
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	421 E 14TH ST, SPENCER, IA 51301-4543

Mortgage

Document Number	02022/3045
Date	Nov 28, 2022
Book Page	2022/3045
Instrument	2022 3045

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 9, 2019
Property Address	421 E 14TH ST, SPENCER, IA 51301-4543
Document Number	02019/3282
Book / Page	2019 / 3282
Instrument Date	Dec 5, 2019
Instrument	3282
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount Recorded
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	421 E 14TH ST, SPENCER, IA 51301-4543

Mortgage

Document Number	02019/3283
Date	Dec 9, 2019
Book Page	2019/3283
Instrument	3283

Lender

Name	STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 3, 2019
Property Address	421 E 14TH ST, SPENCER, IA 51301-4543
Document Number	02019/2279
Book / Page	2019 / 2279
Instrument Date	Aug 29, 2019
Instrument	2279
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	421 E 14TH ST, SPENCER, IA 51301-4543

Mortgage

Document Number	02019/2280
Date	Sep 3, 2019
Book Page	2019/2280
Instrument	2280

Lender

Name	CENTRAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$128,560 (+9.65%) Land $19,800 Building $108,760	$128,560 (+9.65%) Land $19,800 Building $108,760
2024	$2,113.00 (+22.99%)
2023		$117,250 (+50.82%) Land $13,860 Building $103,390	$117,250 (+50.82%) Land $13,860 Building $103,390
2022	$1,718.00 Homeowner's exemption	$77,740 Land $13,860 Building $63,880
2021			$77,740 Land $13,860 Building $63,880

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	Low lower than 97% of the US · lower than 76% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

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