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

Clay County property record for 123 E 4th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 2,620 sqft · built 1917
Lot Size0.163 acres (7,100 sqft)
OwnerIndividual Name on Record
Last Sale$125,000 (Mar 2011)
Tax Bill$3,092 (2025)
Deeds & MortgagesAug 2020 Transfer
Flood ZoneZone X (minimal risk)
APN963607389010

Property Details

APN / Parcel Number

Primary APN963607389010
Alternative APN
  • 68296360738901000

Interior

Bedrooms5 Beds
Full Baths3 Baths
Total Rooms10 Rooms
Stories1 Story
Building Area2,620 sqft Living Area
1st Floor Area1,176 sqft
Basement Area1,176 sqft
Finished Basement500 sqft
Unfinished Basement1,176 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1917
Effective Year BuiltEffective 1917
Exterior MaterialMetal
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,100 sqft (0.163 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area792 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area280 sqft
Deck Area306 sqft
Patio Area306 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHot Water
Water SourceCommercial

Location & Zoning

Street Address123 E 4TH ST
CitySPENCER
StateIA
Zip51301-5125
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description12 29 1ST RY ADD
Legal Range36W
Legal Township96N
Legal Section7
Legal SubdivisionRAILWAY 1ST ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2014
Census Tract80200

Owner

Source: Clay County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address123 E 4TH ST, SPENCER, IA 51301-5125
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 30, 2011 · Amount on Record
Deed SaleMar 30, 2011 · Amount on Record
Prior SaleFeb 14, 2007 · Amount on Record
Deed Document Number2011751
Deed Book / Page2011 / 751
Last Transfer DateAug 12, 2020
Transfer Doc2020/2429
Record UpdatedJun 8, 2026

August 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY IA
Recording DateAug 12, 2020
Property Address123 E 4TH ST, SPENCER, IA 51301-5125
Document Number2020/2429
Book / Page2020 / 2429
Instrument DateAug 12, 2020
Instrument2020 2429
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address123 E 4TH ST, SPENCER, IA 51301-5125

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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$3,092.00 Homeowner's exemption$228,330 (+5.18%) Land $20,000 Building $208,330$228,330 (+5.18%) Land $20,000 Building $208,330
2024$3,092.00 (+1.91%)
2023$217,080 (+19.87%) Land $14,000 Building $203,080$217,080 (+19.87%) Land $14,000 Building $203,080
2022$3,034.00 Homeowner's exemption$181,090 Land $14,000 Building $167,090
2021$181,090 Land $14,000 Building $167,090

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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