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

Clay County property record for 620 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 944 sqft · built 1959
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607253011`

Property Details

APN / Parcel Number

Primary APN	`963607253011`
Alternative APN	`64096360725301100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	300 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 80 ft wide
Garage Type	Mixed
Garage Area	584 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	252 sqft
Patio Area	252 sqft
Shed	1 Shed
Shed Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	620 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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	Individual Name on Record
Mailing Address	620 E 14TH ST, SPENCER, IA 51301-4606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Mar 27, 2024	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 27, 2024
Transfer Doc	002024/559
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	620 E 14TH ST, SPENCER, IA 51301-4606
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2379
Date	Sep 5, 2017
Book Page	2017/2379
Instrument	2017 2379

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2037

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Mar 27, 2024
Property Address	620 E 14TH ST, SPENCER, IA 51301-4606
Document Number	002024/559
Book / Page	2024 / 559
Instrument Date	Mar 27, 2024
Instrument	2024 559
Transaction Type	Transfer
Record Updated	Apr 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 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	$2,014.00 Homeowner's exemption	$166,780 (+11.36%) Land $32,640 Building $134,140	$166,780 (+11.36%) Land $32,640 Building $134,140
2024	$2,014.00 (-5.18%)
2023		$149,770 (+15.69%) Land $26,110 Building $123,660	$149,770 (+15.69%) Land $26,110 Building $123,660
2022	$2,124.00 Homeowner's exemption	$129,460 Land $26,110 Building $103,350
2021			$129,460 Land $26,110 Building $103,350

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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