1506 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1506 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,527 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (May 2022)
Tax Bill	$2,878 (2025)
Deeds & Mortgages	Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607207003`

Property Details

APN / Parcel Number

Primary APN	`963607207003`
Alternative APN	`64096360720700300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,527 sqft Living Area
1st Floor Area	947 sqft
Attic	Attic
Attic Area	426 sqft
Basement Area	947 sqft
Finished Basement	425 sqft
Unfinished Basement	947 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	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	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1506 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3 3 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	3017
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	2 Individual Names on Record
Mailing Address	1506 4TH AVE E, SPENCER, IA 51301-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2022 · Amount on Record
Deed Sale	May 20, 2022 · Amount on Record
Deed Document Number	20221322
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1506 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	May 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/947
Date	Apr 22, 2019
Book Page	2019/947
Instrument	947

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$2,878.00 (-8.05%) Homeowner's exemption	$198,790 (+10.82%) Land $24,480 Building $174,310	$198,790 (+10.82%) Land $24,480 Building $174,310
2024	$3,130.00 (+5.85%)
2023		$179,380 (+18.9%) Land $17,140 Building $162,240	$179,380 (+18.9%) Land $17,140 Building $162,240
2022	$2,957.00 Homeowner's exemption	$150,870 Land $17,140 Building $133,730
2021			$150,870 Land $17,140 Building $133,730

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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