1609 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1609 4th Ave E, Spencer, IA 51301 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,025 sqft · built 1952
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Oct 2025)
Tax Bill	$2,312 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607201018`

Property Details

APN / Parcel Number

Primary APN	`963607201018`
Alternative APN	`64096360720101800`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
Basement Area	1,025 sqft
Finished Basement	600 sqft
Unfinished Basement	1,025 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Screened Porch
Porch Area	204 sqft
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1609 4TH AVE E
City	SPENCER
State	IA
Zip	51301-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 1 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	3004
Census Tract	80200

Owner

Source: Clay County records · APN 963607201018

Assessment roll updated September 30, 2025 · Last verified April 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 File
Mailing Address	1609 4TH AVE E, SPENCER, IA 51301-2344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 08, 2025	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Nov 14, 2022	Legal Action/Court Order, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 08, 2025 · Amount on Record
Deed Sale	Oct 08, 2025 · Amount on Record
Prior Sale	Nov 14, 2022 · Amount on Record
Deed Document Number	20252397
Deed Book / Page	2025 / 2397
Prior Transfer Date	Aug 29, 2012
Prior Transfer Doc	02012/2586
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 08, 2025
Property Address	1609 4TH AVE E, SPENCER, IA 51301-2344
Document Number	02025/2397
Book / Page	2025 / 2397
Instrument Date	Oct 02, 2025
Instrument	2025 2397
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$264.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1609 4TH AVE E, SPENCER, IA 51301-2344

Mortgage

Document Number	0020252398
Date	Oct 08, 2025
Instrument	2025 2398

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

November 2022: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 14, 2022
Property Address	1609 4TH AVE E, SPENCER, IA 51301-2344
Document Number	02022/2955
Book / Page	2022 / 2955
Instrument Date	Nov 08, 2022
Instrument	2022 2955
Transaction Type	Foreclosure
Record Updated	Dec 14, 2022

Transaction

Amount	Amount Recorded
Tax	$215.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1205 N 90TH ST, KANSAS CITY, KS 66112-1501

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,312.00	$175,180 (+21.3%) Land $24,480 Building $150,700	$175,180 (+21.3%) Land $24,480 Building $150,700
2024	$2,312.00 (+1.58%)
2023		$144,420 (+11.8%) Land $17,140 Building $127,280	$144,420 (+11.8%) Land $17,140 Building $127,280
2022	$2,276.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$129,180 Land $17,140 Building $112,040
2021			$129,180 Land $17,140 Building $112,040

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 2% of the US · above 17% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 363 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group, Verizon, LTD Broadband, Mediacom Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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