1326 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1326 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 765 sqft · built 1915
Lot Size	0.138 acres (6,020 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (May 2021)
Tax Bill	$1,424 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607252001`

Property Details

APN / Parcel Number

Primary APN	`963607252001`
Alternative APN	`64096360725200100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	765 sqft Living Area
1st Floor Area	625 sqft
Basement Area	625 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,020 sqft (0.138 acres)
Lot Dimensions	140 ft deep x 43 ft wide
Garage Type	Detached
Garage Area	844 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	162 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Water Source	Commercial

Location & Zoning

Street Address	1326 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 1 FAIRVIEW
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	FAIRVIEW ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3026
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

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	1326 4TH AVE E, SPENCER, IA 51301-4523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
May 5, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2021 · Amount on Record
Deed Sale	May 5, 2021 · Amount on Record
Deed Document Number	20211388
Deed Book / Page	2021 / 1388
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 14, 2024
Property Address	1326 4TH AVE E, SPENCER, IA 51301-4523
Document Number	002024/242
Book / Page	2024 / 242
Instrument Date	Feb 7, 2024
Instrument	2024 242
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 4TH AVE E, SPENCER, IA 51301-4523

Mortgage

Document Number	0002024243
Date	Feb 14, 2024
Instrument	2024 243

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 5, 2021
Property Address	1326 4TH AVE E, SPENCER, IA 51301-4523
Document Number	2021/1388
Book / Page	2021 / 1388
Instrument Date	Apr 27, 2021
Instrument	2021 1388
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 330TH ST, SPENCER, IA 51301-7445

Mortgage

Document Number	02021/1389
Date	May 5, 2021
Book Page	2021/1389
Instrument	2021 1389

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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	$1,424.00 (+2.89%)	$93,050 (+42.54%) Land $17,200 Building $75,850	$93,050 (+42.54%) Land $17,200 Building $75,850
2024	$1,384.00 (+40.37%)
2023		$65,280 (+16.57%) Land $12,040 Building $53,240	$65,280 (+16.57%) Land $12,040 Building $53,240
2022	$986.00	$56,000 Land $12,040 Building $43,960
2021			$56,000 Land $12,040 Building $43,960

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
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	Not 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 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 451 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	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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