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

Clay County property record for 923 E 14th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 960 sqft · built 1961
Lot Size	0.192 acres (8,400 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Nov 2018)
Tax Bill	$2,078 (2024)
Deeds & Mortgages	Nov 2018 Sale Nov 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607234011`

Property Details

APN / Parcel Number

Primary APN	`963607234011`
Alternative APN	`64096360723401100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Finished Basement	400 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	8,400 sqft (0.192 acres)
Garage Type	Detached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Old Parcel Number	64096360723401100
Street Address	923 E 14TH ST
City	SPENCER
State	IA
Zip	51301-4763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	EXC. E 9' 2 1 SYLVAN ACRES
Legal Range	36
Legal Township	17
Legal Section	07
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 29, 2025

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	1501 GARY AVE APT 4, 4, SPIRIT LAKE, IA 51360-1653
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2018	Warranty Deed, Transfer
Nov 7, 2018	Deed, Transfer
Jun 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2018 · Amount on Record
Deed Sale	Nov 7, 2018 · Amount on Record
Prior Sale	Nov 7, 2018 · Amount on Record
Deed Document Number	000000002936
Deed Book / Page	2018 / 2936
Record Updated	Jun 8, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 7, 2018
Property Address	923 E 14TH ST, SPENCER, IA 51301-4763
Document Number	02018/2934
Book / Page	2018 / 2934
Instrument Date	Nov 6, 2018
Instrument	000000002934
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3904 STOVER AVE, SPIRIT LAKE, IA 51360-7690

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IA
Recording Date	Nov 7, 2018
Property Address	923 E 14TH ST, SPENCER, IA 51301-4763
Document Number	02018/2936
Book / Page	2018 / 2936
Instrument Date	Oct 30, 2018
Instrument	000000002936
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 E 14TH ST, SPENCER, IA 51301-4763

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 8, 2018
Property Address	923 E 14TH ST, SPENCER, IA 51301-4763
Document Number	02018/1533
Book / Page	2018 / 1533
Instrument Date	Apr 23, 2018
Instrument	000000001533
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 390TH ST, SPENCER, IA 51301-7489

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$142,450 (+9.75%) Land $21,000 Building $121,450	$142,450 (+9.75%) Land $21,000 Building $121,450
2024	$2,078.00 (+7.45%)
2023		$129,800 Land $16,200 Building $113,600	$129,800 Land $16,200 Building $113,600
2022	$1,934.00

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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