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

Clay County property record for 908 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 960 sqft · built 1960
Lot Size	0.233 acres (10,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Mar 2021)
Tax Bill	$2,066 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607278002`

Property Details

APN / Parcel Number

Primary APN	`963607278002`
Alternative APN	`64096360727800200`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	675 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	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,143 sqft (0.233 acres)
Lot Dimensions	147 ft deep x 69 ft wide
Garage Type	Mixed
Garage Area	596 sqft
Parking Spaces	2 Parking Spaces
Patio Area	300 sqft
Shed	1 Shed
Shed Area	308 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	908 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 3 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	3040
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	2 Individual Names on Record
Mailing Address	908 E 14TH ST, SPENCER, IA 51301-4762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Deed Document Number	2021729
Deed Book / Page	2021 / 729
Prior Transfer Date	Mar 7, 2016
Prior Transfer Doc	2016/0543
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	908 E 14TH ST, SPENCER, IA 51301-4762
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2900
Date	Nov 3, 2017
Book Page	2017/2900
Instrument	2017 2900

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	VIENNA, VA 22182

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 8, 2021
Property Address	908 E 14TH ST, SPENCER, IA 51301-4762
Document Number	002021/729
Book / Page	2021 / 729
Instrument Date	Feb 24, 2021
Instrument	2021 0729
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	908 E 14TH ST, SPENCER, IA 51301-4762

Mortgage

Document Number	002021/730
Date	Mar 8, 2021
Book Page	2021/730
Instrument	2021 0730

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$2,066.00 (+5.3%) Homeowner's exemption	$145,860 (+9.8%) Land $24,390 Building $121,470	$145,860 (+9.8%) Land $24,390 Building $121,470
2024	$1,962.00 (+7.1%)
2023		$132,840 (+17.69%) Land $18,820 Building $114,020	$132,840 (+17.69%) Land $18,820 Building $114,020
2022	$1,832.00 Homeowner's exemption	$112,870 Land $18,820 Building $94,050
2021			$112,870 Land $18,820 Building $94,050

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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