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

Clay County property record for 912 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 1,712 sqft · built 1961
Lot Size	0.233 acres (10,143 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Apr 2022)
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607278003`

Property Details

APN / Parcel Number

Primary APN	`963607278003`
Alternative APN	`64096360727800300`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,712 sqft
Finished Basement	1,300 sqft
Unfinished Basement	1,712 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,143 sqft (0.233 acres)
Lot Dimensions	147 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	912 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 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	912 E 14TH ST, SPENCER, IA 51301-4762
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Oct 30, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Oct 24, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 25, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2022 · Amount on Record
Deed Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	20221032
Deed Book / Page	2022 / 1032
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	912 E 14TH ST, SPENCER, IA 51301-4762
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2422
Date	Oct 10, 2025
Book Page	2025/2422
Instrument	2025 2422

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 25, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	912 E 14TH ST, SPENCER, IA 51301-4762
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2474
Date	Oct 30, 2023
Book Page	2023/2474
Instrument	2023 2474

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	912 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	02017/2777
Date	Oct 24, 2017
Book Page	2017/2777
Instrument	2017 2777

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Nov 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	912 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	02020/3861
Date	Dec 4, 2020
Book Page	2020/3861
Instrument	2020 3861

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 25, 2022
Property Address	912 E 14TH ST, SPENCER, IA 51301-4762
Document Number	02022/1032
Book / Page	2022 / 1032
Instrument Date	Apr 22, 2022
Instrument	2022 1032
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	912 E 14TH ST, SPENCER, IA 51301-4762

Mortgage

Document Number	02022/1033
Date	Apr 25, 2022
Book Page	2022/1033
Instrument	2022 1033

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 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	$3,598.00 (+3.93%) Homeowner's exemption	$245,830 (+8.53%) Land $24,390 Building $221,440	$245,830 (+8.53%) Land $24,390 Building $221,440
2024	$3,462.00 (+8.12%)
2023		$226,500 (+18.82%) Land $18,820 Building $207,680	$226,500 (+18.82%) Land $18,820 Building $207,680
2022	$3,202.00 Homeowner's exemption	$190,630 Land $18,820 Building $171,810
2021			$190,630 Land $18,820 Building $171,810

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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