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

Clay County property record for 907 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 960 sqft · built 1960
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$113,000 (Sep 2014)
Tax Bill	$2,352 (2025)
Deeds & Mortgages	Jun 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607234008`

Property Details

APN / Parcel Number

Primary APN	`963607234008`
Alternative APN	`64096360723400800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	500 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Concrete
Construction Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,800 sqft (0.225 acres)
Lot Dimensions	140 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	420 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	907 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 1 SYLVAN ACRES
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

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	907 E 14TH ST, SPENCER, IA 51301-4763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2014 · Amount on Record
Deed Sale	Sep 9, 2014 · Amount on Record
Deed Document Number	20142311
Deed Book / Page	2014 / 2311
Prior Transfer Date	Nov 1, 2013
Prior Transfer Doc	2013/3461
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	907 E 14TH ST, SPENCER, IA 51301-4763
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1714
Date	Jun 30, 2022
Book Page	2022/1714
Instrument	2022 1714

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

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	$2,352.00	$161,340 (+9.79%) Land $24,500 Building $136,840	$161,340 (+9.79%) Land $24,500 Building $136,840
2024	$2,352.00 (+7.3%)
2023		$146,950 (+18.09%) Land $18,900 Building $128,050	$146,950 (+18.09%) Land $18,900 Building $128,050
2022	$2,192.00	$124,440 Land $18,900 Building $105,540
2021			$124,440 Land $18,900 Building $105,540

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 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.

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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