Clay County property record for 901 E 14th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1960 |
| Lot Size | 0.272 acres (11,830 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $149,000 (May 2025) |
| Tax Bill | $1,370 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607234006 |
| Primary APN | 963607234006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Basement Area | 960 sqft |
| Finished Basement | 475 sqft |
| Unfinished Basement | 960 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,830 sqft (0.272 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 405 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 901 E 14TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 1 SYLVAN ACRES & TR NE 1/4 ADJ TO 7 1 SYLVAN ACRES L&I |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | SYLVAN ACRES |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 80200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 901 E 14TH ST, SPENCER, IA 51301-4763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2025 · Amount on Record |
| Deed Sale | May 22, 2025 · Amount on Record |
| Deed Document Number | 20251239 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 22, 2025 |
| Property Address | 901 E 14TH ST, SPENCER, IA 51301-4763 |
| Document Number | 02025/1239 |
| Book / Page | 2025 / 1239 |
| Instrument Date | May 20, 2025 |
| Instrument | 2025 1239 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $237.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 901 E 14TH ST, SPENCER, IA 51301-4763 |
| Document Number | 0020251240 |
|---|---|
| Date | May 22, 2025 |
| Instrument | 2025 1240 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,370.00 (-16.87%) | $114,920 (+19.03%) Land $30,570 Building $84,350 | $114,920 (+19.03%) Land $30,570 Building $84,350 |
| 2024 | $1,648.00 (+13.19%) | ||
| 2023 | $96,550 (+16.87%) Land $17,190 Building $79,360 | $96,550 (+16.87%) Land $17,190 Building $79,360 | |
| 2022 | $1,456.00 | $82,610 Land $17,190 Building $65,420 | |
| 2021 | $82,610 Land $17,190 Building $65,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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