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

Clay County property record for 913 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 902 sqft · built 1962
Lot Size	0.222 acres (9,660 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Sep 2011)
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607234009`

Property Details

APN / Parcel Number

Primary APN	`963607234009`
Alternative APN	`64096360723400900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	902 sqft Living Area
Basement Area	676 sqft
Finished Basement	816 sqft
Unfinished Basement	500 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,660 sqft (0.222 acres)
Lot Dimensions	140 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	240 sqft
Deck Area	135 sqft
Patio Area	135 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	913 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 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 September 1, 2026

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

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
May 19, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2011 · Amount on Record
Deed Sale	Sep 7, 2011 · Amount on Record
Deed Document Number	20112257
Deed Book / Page	2011 / 2257
Last Transfer Date	Nov 5, 2019
Transfer Doc	2020/1293
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 14TH ST, SPENCER, IA 51301-4763
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3351
Date	Oct 26, 2021
Book Page	2021/3351
Instrument	2021 3351

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2031

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 14TH ST, SPENCER, IA 51301-4763
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2127
Date	Jul 6, 2021
Book Page	2021/2127
Instrument	2021 2127

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	913 E 14TH ST, SPENCER, IA 51301-4763
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/892
Date	Mar 23, 2021
Book Page	2021/892
Instrument	2021 0892

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	May 19, 2020
Property Address	913 E 14TH ST, SPENCER, IA 51301-4763
Document Number	2020/1293
Book / Page	2020 / 1293
Instrument Date	Nov 5, 2019
Instrument	2020 1293
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	913 E 14TH ST, SPENCER, IA 51301-4763

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	$2,100.00 (+10.99%) Homeowner's exemption	$148,020 (+15.24%) Land $24,150 Building $123,870	$148,020 (+15.24%) Land $24,150 Building $123,870
2024	$1,892.00 (+5.58%)
2023		$128,450 (+16.15%) Land $18,630 Building $109,820	$128,450 (+16.15%) Land $18,630 Building $109,820
2022	$1,792.00 Homeowner's exemption	$110,590 Land $18,630 Building $91,960
2021			$110,590 Land $18,630 Building $91,960

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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