Clay County property record for 1120 4th Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 946 sqft · built 1900 |
| Lot Size | 0.276 acres (12,040 sqft) |
| Owner | Individual Name on File |
| Last Sale | $79,000 (Nov 2018) |
| Tax Bill | $1,682 (2024) |
| Deeds & Mortgages | Jul 2017 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607258001 |
| Primary APN | 963607258001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 946 sqft Living Area |
| 1st Floor Area | 306 sqft |
| Basement Area | 468 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 12,040 sqft (0.276 acres) |
| Lot Dimensions | 86 ft deep x 140 ft wide |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360725800100 |
|---|---|
| Street Address | 1120 4TH AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-4521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | 6-7 7 FAIRVIEW |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | FAIRVIEW ADDITION |
| Legal Lot Number | 6 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3048 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607258001
Assessment roll updated May 1, 2025 · Last verified October 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 File |
|---|---|
| Mailing Address | 1120 4TH AVE E, SPENCER, IA 51301-4521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2017 | Deed of Trust, Mortgage REGIONS BANK |
| Nov 20, 2018 | Deed of Trust, Mortgage UNITED BANK OF IOWA |
| Nov 20, 2018 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 20, 2018 · Amount on Record |
| Deed Sale | Nov 20, 2018 · Amount on Record |
| Deed Document Number | 000000003035 |
| Deed Book / Page | 2018 / 3035 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1120 4TH AVE E, SPENCER, IA 51301-4521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/1728 |
|---|---|
| Date | Jul 06, 2017 |
| Book Page | 2017/1728 |
| Instrument | 1728 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | MOBILE, AL 36608 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jul 01, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1120 4TH AVE E, SPENCER, IA 51301-4521 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000003036 |
|---|---|
| Date | Nov 20, 2018 |
| Book Page | 0000002018/0000003036 |
| Name | UNITED BANK OF IOWA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 350 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 20, 2018 |
| Property Address | 1120 4TH AVE E, SPENCER, IA 51301-4521 |
| Document Number | 2018/3035 |
| Book / Page | 2018 / 3035 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 000000003035 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1120 4TH AVE N, SPENCER, IA 51301 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $100,900 (+12.83%) Land $17,920 Building $82,980 | $100,900 (+12.83%) Land $17,920 Building $82,980 | |
| 2024 | $1,682.00 (+5.65%) | ||
| 2023 | $89,430 (+17.98%) Land $12,540 Building $76,890 | $89,430 (+17.98%) Land $12,540 Building $76,890 | |
| 2022 | $1,592.00 Homeowner's exemption | $75,800 Land $12,540 Building $63,260 | |
| 2021 | $75,800 Land $12,540 Building $63,260 |
Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Communications Utility Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, Verizon.
Based on FCC filings for 451 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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