1514 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1514 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Duplex
Details	2 bd · 1.5 ba · 1,000 sqft · built 1964
Lot Size	0.207 acres (9,000 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Feb 2021)
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Feb 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607207001`

Property Details

APN / Parcel Number

Primary APN	`963607207001`
Alternative APN	`64096360720700100`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,000 sqft Total Area
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	60 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Shed	1 Shed
Shed Area	135 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1514 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4546
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	1 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	Company Name on Record
Mailing Address	1815 MORIARTY CIR, BROOKINGS, SD 57006-5481
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK
Feb 20, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2021 · Amount on Record
Deed Sale	Feb 11, 2021 · Amount on Record
Prior Sale	Feb 20, 2019 · Amount on Record
Deed Document Number	2021430
Deed Book / Page	2021 / 430
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 11, 2021
Property Address	1514 4TH AVE E, SPENCER, IA 51301-4546
Document Number	002021/430
Book / Page	2021 / 430
Instrument Date	Feb 1, 2021
Instrument	2021 0430
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 MORIARTY CIR, BROOKINGS, SD 57006-5481

Mortgage

Document Number	002021/431
Date	Feb 11, 2021
Book Page	2021/431
Instrument	2021 0431

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Feb 20, 2019
Property Address	1514 4TH AVE E, SPENCER, IA 51301-4546
Document Number	002019/431
Book / Page	2019 / 431
Instrument Date	Feb 13, 2019
Instrument	431
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
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	1760 290TH ST, SPENCER, IA 51301-7409

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	$3,138.00 (+5.3%)	$204,930 (+10.08%) Land $26,040 Building $178,890	$204,930 (+10.08%) Land $26,040 Building $178,890
2024	$2,980.00 (+7.89%)
2023		$186,170 (+18.76%) Land $18,230 Building $167,940	$186,170 (+18.76%) Land $18,230 Building $167,940
2022	$2,762.00	$156,760 Land $18,230 Building $138,530
2021			$156,760 Land $18,230 Building $138,530

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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