1510 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1510 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,693 sqft · built 1955
Lot Size	0.206 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$114,900 (Mar 2003)
Tax Bill	$3,746 (2024)
Deeds & Mortgages	Jul 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607207002`

Property Details

APN / Parcel Number

Primary APN	`963607207002`
Alternative APN	`64096360720700200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
1st Floor Area	936 sqft
Attic Area	421 sqft
Basement Area	936 sqft
Finished Basement	400 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	288 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720700200
Street Address	1510 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	2 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 assessment roll, as of May 1, 2025

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 File
Mailing Address	1510 4TH AVE E, SPENCER, IA 51301-4546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 30, 2003 · Amount on Record
Deed Sale	Mar 30, 2003 · Amount on Record
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1510 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2280
Date	Jul 19, 2021
Book Page	2021/2280
Instrument	2021 2280

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 15, 2031

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1510 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1508
Date	May 17, 2021
Book Page	2021/1508
Instrument	2021 1508

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1510 4TH AVE E, SPENCER, IA 51301-4546
Transaction Type	Mortgage
Record Updated	Nov 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2832
Date	Oct 23, 2019
Book Page	2019/2832
Instrument	2832

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

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		$239,210 (+9.77%) Land $24,480 Building $214,730	$239,210 (+9.77%) Land $24,480 Building $214,730
2024	$3,746.00 (+6.45%)
2023		$217,910 (+19.17%) Land $17,140 Building $200,770	$217,910 (+19.17%) Land $17,140 Building $200,770
2022	$3,519.00 Homeowner's exemption	$182,850 Land $17,140 Building $165,710
2021			$182,850 Land $17,140 Building $165,710

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 at the parcel

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 Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.

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