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

Clay County property record for 602 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,036 sqft · built 1959
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Dec 2022)
Tax Bill	$3,294 (2025)
Deeds & Mortgages	Dec 2022 Sale Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607253008`

Property Details

APN / Parcel Number

Primary APN	`963607253008`
Alternative APN	`64096360725300800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,036 sqft Living Area
Basement Area	1,036 sqft
Finished Basement	900 sqft
Unfinished Basement	1,036 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	10,500 sqft (0.241 acres)
Lot Dimensions	150 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	242 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	602 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 4 FAIRVIEW PARK
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW PARK ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3025
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 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 Record
Mailing Address	36 ANN ST, MILFORD, IA 51351-7392
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Warranty Deed, Transfer
Mar 1, 2018	Deed of Trust, Mortgage IOWA STATE BANK
Jul 25, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on Record
Deed Sale	Dec 9, 2022 · Amount on Record
Deed Document Number	20223131
Deed Book / Page	2022 / 3131
Prior Transfer Date	Jun 11, 2018
Prior Transfer Doc	2018/1988
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 9, 2022
Property Address	602 E 14TH ST, SPENCER, IA 51301-4606
Document Number	02022/3131
Book / Page	2022 / 3131
Instrument Date	Dec 7, 2022
Instrument	2022 3131
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Tax	$303.20
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	3008 SPORTSMANS DR, MILFORD, IA 51351-9604

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	602 E 14TH ST, SPENCER, IA 51301-4606
Transaction Type	Mortgage
Record Updated	Mar 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000479
Date	Mar 1, 2018
Book Page	0000002018/0000000479
Instrument	000000000479

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Jul 25, 2018
Property Address	602 E 14TH ST, SPENCER, IA 51301-4606
Document Number	2018/1988
Book / Page	2018 / 1988
Instrument Date	Jun 11, 2018
Instrument	000000001988
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 E 14TH ST, SPENCER, IA 51301-4606

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	$3,294.00	$226,020 (+9.87%) Land $28,560 Building $197,460	$226,020 (+9.87%) Land $28,560 Building $197,460
2024	$3,294.00 (+5.98%)
2023		$205,720 (+9.05%) Land $22,850 Building $182,870	$205,720 (+9.05%) Land $22,850 Building $182,870
2022	$3,108.00 Homeowner's exemption	$188,650 Land $22,850 Building $165,800
2021			$188,650 Land $22,850 Building $165,800

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

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

May also be available: GigFire, Nextlink, Verizon.

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