1505 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1505 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,095 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on Record
Last Sale	$288,000 (Dec 2014)
Tax Bill	$2,508 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607206011`

Property Details

APN / Parcel Number

Primary APN	`963607206011`
Alternative APN	`64096360720601100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,095 sqft Living Area
Basement Area	1,095 sqft
Finished Basement	475 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	Wood Siding
Construction Type	Wood
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	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Patio
Porch Area	150 sqft
Patio Area	120 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1505 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 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	1505 4TH AVE E, SPENCER, IA 51301-4547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2014 · Amount on Record
Deed Sale	Dec 12, 2014 · Amount on Record
Deed Document Number	20143203
Deed Book / Page	2014 / 3203
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1505 4TH AVE E, SPENCER, IA 51301-4547
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1507
Date	Jun 5, 2020
Book Page	2020/1507
Instrument	2020 1507

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	$2,508.00 (-11.47%) Homeowner's exemption	$174,620 (+11.08%) Land $24,480 Building $150,140	$174,620 (+11.08%) Land $24,480 Building $150,140
2024	$2,833.00 (+4.96%)
2023		$157,200 (+18.57%) Land $17,140 Building $140,060	$157,200 (+18.57%) Land $17,140 Building $140,060
2022	$2,699.00 Homeowner's exemption	$132,580 Land $17,140 Building $115,440
2021			$132,580 Land $17,140 Building $115,440

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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