1502 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1502 4th Ave E, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1954
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jun 2020)
Tax Bill	$2,033 (2024)
Deeds & Mortgages	Nov 2025 Line of Credit Dec 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607207004`

Property Details

APN / Parcel Number

Primary APN	`963607207004`
Alternative APN	`64096360720700400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Architectural Style	Ranch
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	280 sqft
Parking Spaces	1 Parking Space
Patio Area	118 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720700400
Street Address	1502 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 3 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	3017
Census Tract	80200

Owner

Source: Clay County records · APN 963607207004

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
Co-owner	Verified Secondary Owner
Mailing Address	1502 4TH AVE E, SPENCER, IA 51301-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Dec 12, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WEST GATE BANK
Jun 11, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Dec 06, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 11, 2020 · Amount on Record
Deed Sale	Jun 11, 2020 · Amount on Record
Prior Sale	Dec 06, 2019 · Amount on Record
Deed Document Number	2020 1611
Deed Book / Page	2020 / 1611
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1502 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2733
Date	Nov 19, 2025
Book Page	2025/2733
Instrument	2025 2733

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPIRIT LAKE, IA 51360

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1502 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/3305
Date	Dec 12, 2019
Book Page	2019/3305
Instrument	3305

Lender

Name	WEST GATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 11, 2020
Property Address	1502 4TH AVE E, SPENCER, IA 51301-4546
Document Number	2020/1611
Book / Page	2020 / 1611
Instrument Date	May 28, 2020
Instrument	2020 1611
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1502 4TH AVE E, SPENCER, IA 51301-4546

Mortgage

Document Number	2020161220201612
Date	Jun 11, 2020
Instrument	2020 161220201612

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 06, 2019
Property Address	1502 4TH AVE E, SPENCER, IA 51301-4546
Document Number	2019/3254
Book / Page	2019 / 3254
Instrument Date	Dec 04, 2019
Instrument	3254
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13575 LYNAM DR, OMAHA, NE 68138-4408
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$137,690 (+21.4%) Land $24,480 Building $113,210	$137,690 (+21.4%) Land $24,480 Building $113,210
2024	$2,033.00 (+5.5%)
2023		$113,420 (+17.41%) Land $17,140 Building $96,280	$113,420 (+17.41%) Land $17,140 Building $96,280
2022	$1,927.00 Homeowner's exemption	$96,600 Land $17,140 Building $79,460
2021			$96,600 Land $17,140 Building $79,460

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 2% of the US · above 17% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 363 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 at this address: AMG Technology Investment Group, Verizon, LTD Broadband, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

1502 4th Ave E, Spencer, IA 51301 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on 4th Ave E

Nearby Streets

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