1409 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1409 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1953
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Nov 2024)
Tax Bill	$2,644 (2024)
Deeds & Mortgages	Nov 2024 Sale & Mortgage Oct 2010 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607206015`

Property Details

APN / Parcel Number

Primary APN	`963607206015`
Alternative APN	`64096360720601500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	475 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Roof Material	Shingle
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	129 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720601500
Street Address	1409 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	16 4 TRIPP
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3016
Census Tract	80200

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 Record	Individual Name on Record
Mailing Address	1409 4TH AVE E, SPENCER, IA 51301-4545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2024	Land Contract, Transfer · Land Contract CAMPION RENTALS LLC
Oct 22, 2010	Legal Action/Court Order, Foreclosure · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2024 · Amount on Record
Deed Sale	Nov 5, 2024 · Amount on Record
Deed Document Number	0020242484
Deed Book / Page	2024 / 2484
Last Transfer Date	Nov 6, 2024
Transfer Doc	02024/2484
Record Updated	Jun 8, 2026

November 2024: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	CLAY IA
Recording Date	Nov 6, 2024
Property Address	1409 4TH AVE E, SPENCER, IA 51301-4545
Document Number	02024/2484
Book / Page	2024 / 2484
Instrument Date	Nov 3, 2024
Instrument	2024 2484
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 4TH AVE E, SPENCER, IA 51301-4545

Mortgage

Date	Nov 6, 2024

Lender

Name	CAMPION RENTALS LLC
Type	Non-Lending Institution

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	237 Months
Due	Aug 1, 2044

Interest

Rate	6%

October 2010: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 22, 2010
Property Address	1409 4TH AVE E, SPENCER, IA 51301-4545
Document Number	02010/2975
Book / Page	2010 / 2975
Instrument Date	Sep 27, 2010
Instrument	2010 2975
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$121.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 E 4TH ST, SPENCER, IA 51301-5125

Mortgage

Document Number	0020102976
Date	Oct 22, 2010
Instrument	2010 2976

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$160,100 (+12.83%) Land $24,480 Building $135,620	$160,100 (+12.83%) Land $24,480 Building $135,620
2024	$2,644.00 (+20.79%)
2023		$141,890 (+32.24%) Land $17,140 Building $124,750	$141,890 (+32.24%) Land $17,140 Building $124,750
2022	$2,189.00 Homeowner's exemption	$107,300 Land $17,140 Building $90,160
2021			$107,300 Land $17,140 Building $90,160

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	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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