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

Clay County property record for 917 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1961
Lot Size	0.222 acres (9,660 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Nov 2022)
Tax Bill	$2,700 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Aug 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607234010`

Property Details

APN / Parcel Number

Primary APN	`963607234010`
Alternative APN	`64096360723401000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	360 sqft
Unfinished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,660 sqft (0.222 acres)
Lot Dimensions	140 ft deep x 69 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Pool with Hot Tub/Spa
Deck Area	211 sqft
Patio Area	78 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	917 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 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	PO BOX 162, SPENCER, IA 51301-0162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Aug 27, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Aug 27, 2021 · Amount on Record
Deed Document Number	20222981
Deed Book / Page	2022 / 2981
Prior Transfer Date	Jun 9, 2008
Prior Transfer Doc	02008/1891
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 17, 2022
Property Address	917 E 14TH ST, SPENCER, IA 51301-4763
Document Number	02022/2981
Book / Page	2022 / 2981
Instrument Date	Nov 14, 2022
Instrument	2022 2981
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 162, SPENCER, IA 51301-0162

Mortgage

Document Number	02022/2982
Date	Nov 17, 2022
Book Page	2022/2982
Instrument	2022 2982

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2037

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 27, 2021
Property Address	917 E 14TH ST, SPENCER, IA 51301-4763
Document Number	02021/2707
Book / Page	2021 / 2707
Instrument Date	Aug 16, 2021
Instrument	2021 2707
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 15TH AVE W, SPENCER, IA 51301-2950

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	$2,700.00 (+5.3%) Homeowner's exemption	$187,220 (+9.85%) Land $24,150 Building $163,070	$187,220 (+9.85%) Land $24,150 Building $163,070
2024	$2,564.00 (+1.26%)
2023		$170,430 (+18.54%) Land $18,630 Building $151,800	$170,430 (+18.54%) Land $18,630 Building $151,800
2022	$2,532.00 Homeowner's exemption	$143,770 Land $18,630 Building $125,140
2021			$143,770 Land $18,630 Building $125,140

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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