1413 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1413 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,095 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$110,000 (Dec 2019)
Tax Bill	$2,224 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jan 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607206014`

Property Details

APN / Parcel Number

Primary APN	`963607206014`
Alternative APN	`64096360720601400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,095 sqft Living Area
Basement Area	1,095 sqft
Finished Basement	500 sqft
Unfinished Basement	1,095 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1413 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	17 4 TRIPP
Legal Range	36W
Legal Township	96N
Legal Section	7
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 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	1413 4TH AVE E, SPENCER, IA 51301-4545
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Deed of Trust, Mortgage · ARM NORTHWEST BANK
Jan 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Jan 23, 2020	Executor's Deed, Transfer
Dec 16, 2019	Executor's Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Deed Document Number	20193335
Deed Book / Page	2019 / 3335
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1413 4TH AVE E, SPENCER, IA 51301-4545
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000939
Date	Apr 17, 2018
Book Page	0000002018/0000000939
Instrument	000000000939

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	May 1, 2023
Index	1-Year CMT

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1413 4TH AVE E, SPENCER, IA 51301-4545
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/137
Date	Jan 15, 2019
Book Page	2019/137
Instrument	137

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

January 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Jan 23, 2020
Property Address	1413 4TH AVE E, SPENCER, IA 51301-4545
Document Number	002020/225
Book / Page	2020 / 225
Instrument Date	Dec 6, 2019
Instrument	225
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 4TH AVE E, SPENCER, IA 51301-4545

December 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CLAY IA
Recording Date	Dec 16, 2019
Property Address	1413 4TH AVE E, SPENCER, IA 51301-4545
Document Number	02019/3335
Book / Page	2019 / 3335
Instrument Date	Dec 6, 2019
Instrument	3335
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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	1413 4TH AVE E, SPENCER, IA 51301-4545

Mortgage

Document Number	02019/3336
Date	Dec 16, 2019
Book Page	2019/3336
Instrument	3336

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$2,224.00 (+6.92%)	$145,190 (+11.75%) Land $24,480 Building $120,710	$145,190 (+11.75%) Land $24,480 Building $120,710
2024	$2,080.00 (+7.22%)
2023		$129,920 (+18%) Land $17,140 Building $112,780	$129,920 (+18%) Land $17,140 Building $112,780
2022	$1,940.00	$110,100 Land $17,140 Building $92,960
2021			$110,100 Land $17,140 Building $92,960

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	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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