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Residential (General/Single)Residential
$233,624
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

14TH ST SE

SPENCER, IA 51301
0
Baths
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
2021
Year BuiltThe year the home was originally built, according to county records.

Valuation

$234K
$200K low$267K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$306 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$20,030 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$7,640
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$12,390
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$17,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$20,030

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
41
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.9 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.0.19
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Spencer High SchoolB+
High · Grades 9–12 · 1.2 mi
M
Spencer Middle SchoolA
Middle · Grades 7–8 · 2.0 mi
E
Fairview Park Elementary School
Elementary · Grades 1–2 · 2.1 mi

District: Spencer Community School District

Neighborhood · ZIP 51301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,070
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

14th St Se measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 75% of homes in Clay County
  • Has a smaller lot than 73% of homes in Clay County
  • Among the newest homes in Spencer 51301

What homes are worth in Spencer 51301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$53K$521K

This home is worth more than 71% of homes in Spencer 51301.

How it measures up in Spencer 51301

The dot is this home. The mark in the middle is the typical home in Spencer 51301.

Estimated value$233,624
CheaperTypical $171,486Pricier

Pricier than 71% of homes nearby

Lot size0.19 ac
SmallerTypical 0.23 acBigger

Bigger than 31% of homes nearby

Year built2021
OlderTypical 1958Newer

Newer than almost all homes nearby

How 14th St Se ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$233,62471% of homes75% of homes
Lot sizebigger than0.19 ac31% of homes27% of homes
Year builtnewer than2021almost all homes98% of homes

About 14th St Se

How much is 14th St Se, Spencer, IA worth?

The TopHap Estimate for 14th St Se, Spencer, IA is $233,624 as of Sep 24, 2026. The likely range is $199,829 to $267,419. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 14th St Se, Spencer, IA last sell?

14th St Se, Spencer, IA last sold on Jan 1, 1900, according to the county's recorded deed.

When was 14th St Se, Spencer, IA built?

14th St Se, Spencer, IA was built in 2021, making it 5 years old.

What schools serve 14th St Se, Spencer, IA?

14th St Se, Spencer, IA is assigned to Spencer High School (high), rated B+; Spencer Middle School (middle), rated A; Fairview Park Elementary School (elementary). All sit in Spencer Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 14th St Se, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than 71% of them ($233,624 against a typical $171,486), its lot is bigger than 31% of them (0.19 ac against a typical 0.23 ac) and it is newer than almost all of them (2021 against a typical 1958). Measured against all of Clay County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 14th St Se, Spencer, IA?

The 2025 property tax bill for 14th St Se, Spencer, IA was $306. The county assessed it at $20,030.

More homes on 14th St Se

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Assigned schools

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