Clay County property record for 1605 4th Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 952 sqft · built 1954 |
| Lot Size | 0.206 acres (9,000 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,293 (2024) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607201019 |
| Primary APN | 963607201019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| Basement Area | 952 sqft |
| Finished Basement | 425 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1954 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Type | Hip |
| Lot Area | 9,000 sqft (0.206 acres) |
| Lot Dimensions | 150 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 480 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360720101900 |
|---|---|
| Street Address | 1605 4TH AVE E |
| City | SPENCER |
| State | IA |
| Zip | 51301-2344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | 13 1 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 | 3004 |
| Census Tract | 80200 |
Source: Clay County records, as of September 29, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1605 4TH AVE E, SPENCER, IA 51301-2344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 1, 2012 |
| Transfer Doc | 2012/1617 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1605 4TH AVE E, SPENCER, IA 51301-2344 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000002522 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | 0000002018/0000002522 |
| Instrument | 000000002522 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 112 Months |
| Due | Jan 1, 2028 |
Source: Clay County assessment roll, as of May 1, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $149,720 (+11.4%) Land $24,480 Building $125,240 | $149,720 (+11.4%) Land $24,480 Building $125,240 | |
| 2024 | $2,293.00 (+3.24%) | ||
| 2023 | $134,400 (+18.11%) Land $17,140 Building $117,260 | $134,400 (+18.11%) Land $17,140 Building $117,260 | |
| 2022 | $2,221.00 Homeowner's exemption | $113,790 Land $17,140 Building $96,650 | |
| 2021 | $113,790 Land $17,140 Building $96,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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