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10 E 4th St, Spencer, IA 51301 Property Records

Clay County property record for 10 E 4th St, Spencer, IA 51301

Property Summary

Property TypeBarber/Hair Salon
Details3,192 sqft · built 1900
Lot Size0.052 acres (2,268 sqft)
OwnerCompany Name on Record
Last Sale$40,000 (Feb 2017)
Tax Bill$3,162 (2024)
Deeds & MortgagesFeb 2017 Mortgage
Feb 2017 Sale
Flood ZoneZone X (minimal risk)
APN963618129012

Property Details

APN / Parcel Number

Primary APN963618129012
Alternative APN
  • 68396361812901200

Interior

Stories2 Stories
Building Area3,192 sqft Gross Area
Gross Area6,384 sqft
Basement Area1,440 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 1900
Exterior MaterialBrick
Roof MaterialUrethane Foam
Lot Area2,268 sqft (0.052 acres)
Lot Dimensions81 ft deep x 28 ft wide

Utilities, Heating & Cooling

Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Old Parcel Number68396361812901200
Street Address10 E 4TH ST
CitySPENCER
StateIA
Zip51301-4009
Property CategoryCommercial
Property TypeCommercial > Retail > Barber/Hair Salon
Local Zoning CodeCBD CENTRAL B
Legal DescriptionE 28' OF N 2/3 E 28' OF N 2/3 5 B O.P. 5 B O.P.
Legal Range36
Legal Township17
Legal Section18
Legal SubdivisionORIGINAL PLAT
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2024
Census Tract80200

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 RecordCompany Name on Record
Mailing Address2090 400TH ST, SPENCER, IA 51301-7600
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Feb 3, 2017Deed of Trust, Mortgage · Commercial Mortgage
LEIGHTON STATE BANK
Feb 3, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 3, 2017 · Amount on Record
Deed SaleFeb 3, 2017 · Amount on Record
Deed Document Number2017 0303
Deed Book / Page2017 / 0303
Record UpdatedJun 8, 2026

February 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address10 E 4TH ST, SPENCER, IA 51301-4009
Transaction TypeMortgage
Record UpdatedSep 15, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002017/304
DateFeb 3, 2017
Book Page2017/304
Instrument0304
Lender
NameLEIGHTON STATE BANK
TypeBank
AddressFOSTORIA, IA 51340
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateFeb 3, 2017
Property Address10 E 4TH ST, SPENCER, IA 51301-4009
Document Number02017/0303
Book / Page2017 / 0303
Instrument DateJan 13, 2017
Instrument2017 0303
Transaction TypeTransfer
Record UpdatedSep 15, 2022

Transaction

AmountAmount Recorded
Tax$63.20
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2090 400TH ST, SPENCER, IA 51301-7600

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$165,940 (-6.06%) Land $11,340 Building $154,600$165,940 (-6.06%) Land $11,340 Building $154,600
2024$3,162.00 (+6.61%)
2023$176,650 (+17.96%) Land $17,250 Building $159,400$176,650 (+17.96%) Land $17,250 Building $159,400
2022$2,966.00$149,750 Land $17,250 Building $132,500
2021$149,750 Land $17,250 Building $132,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event
  • Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 484 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spencer Municipal Utilities
Fiber		1,000 / 1,000
Mediacom Xtream
Cable		1,000 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Nextlink.

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