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

Clay County property record for 608 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,024 sqft · built 1959
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Apr 2020)
Tax Bill	$3,100 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607253009`

Property Details

APN / Parcel Number

Primary APN	`963607253009`
Alternative APN	`64096360725300900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,024 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	819 sqft
Unfinished Basement	912 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Patio Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	608 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 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 September 1, 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	608 E 14TH ST, SPENCER, IA 51301-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2018	Deed of Trust, Mortgage · Line of Credit NORTHSTAR BANK
Apr 10, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage SECURITY STATE BANK
Sep 29, 2017	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2020 · Amount on Record
Deed Sale	Apr 10, 2020 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2020892
Deed Book / Page	2020 / 892
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	608 E 14TH ST, SPENCER, IA 51301-4606
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000495
Date	Mar 2, 2018
Book Page	0000002018/0000000495
Instrument	000000000495

Lender

Name	NORTHSTAR BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 10, 2020
Property Address	608 E 14TH ST, SPENCER, IA 51301-4606
Document Number	2020/892
Book / Page	2020 / 892
Instrument Date	Apr 2, 2020
Instrument	892
Transaction Type	Transfer
Record Updated	Oct 11, 2021

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	608 E 14TH ST, SPENCER, IA 51301-4606

Mortgage

Document Number	893
Date	Apr 10, 2020
Instrument	893

Lender

Name	SECURITY STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CLAY IA
Recording Date	Sep 29, 2017
Property Address	608 E 14TH ST, SPENCER, IA 51301-4606
Document Number	2017/2565
Book / Page	2017 / 2565
Instrument Date	Aug 14, 2017
Instrument	2017 2565
Transaction Type	Foreclosure
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3024 PLATEAU RD, 3024, CROSSVILLE, TN 38571-2037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 WILLIAM PENN PL 7TH FL 7TH, 7, PITTSBURGH, PA 15219-1737

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	$3,100.00 (-23.34%) Homeowner's exemption	$213,270 (-18.85%) Land $32,640 Building $180,630	$213,270 (-18.85%) Land $32,640 Building $180,630
2024	$4,044.00 (+6.76%)
2023		$262,800 (+17.39%) Land $26,110 Building $236,690	$262,800 (+17.39%) Land $26,110 Building $236,690
2022	$3,788.00 Homeowner's exemption	$223,870 Land $26,110 Building $197,760
2021			$223,870 Land $26,110 Building $197,760

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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