1620 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1620 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,940 sqft · built 1954
Lot Size	0.371 acres (16,200 sqft)
Owner	Company Name on Record
Tax Bill	$4,349 (2024)
Deeds & Mortgages	Dec 2025 Sale Jul 2025 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607202005`

Property Details

APN / Parcel Number

Primary APN	`963607202005`
Alternative APN	`64096360720200500`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,940 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Architectural Style	Ranch
Exterior Material	Brick Veneer
Construction Type	Brick
Foundation Type	Block
Roof Type	Hip
Lot Area	16,200 sqft (0.371 acres)
Lot Dimensions	150 ft deep x 108 ft wide
Garage Type	Mixed
Garage Area	528 sqft
Carport	Carport
Carport Area	576 sqft
Parking Spaces	4 Parking Spaces
Patio Area	140 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360720200500
Street Address	1620 4TH AVE E
City	SPENCER
State	IA
Zip	51301-2345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	LOT 5 EXC. N 12' & ALL 6 2 TRIPP
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	TRIPP'S ADDITION
Legal Lot Number	5
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3003
Census Tract	80200

Owner

Source: Clay County records, as of January 16, 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	1620 4TH AVE E, SPENCER, IA 51301-2345
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Special Warranty Deed, Transfer
Jul 28, 2025	Sheriff's Deed, Foreclosure
Nov 22, 2021	Legal Action/Court Order, Foreclosure · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 12, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2025
Deed Sale	Dec 19, 2025
Prior Sale	Jul 28, 2025 · Amount on Record
Deed Document Number	2025 2989
Deed Book / Page	2025 / 2989
Record Updated	Jun 8, 2026

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 19, 2025
Property Address	1620 4TH AVE E, SPENCER, IA 51301-2345
Document Number	02025/2989
Book / Page	2025 / 2989
Instrument Date	Nov 26, 2025
Instrument	2025 2989
Transaction Type	Transfer
Record Updated	Jan 19, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 4TH AVE E, SPENCER, IA 51301-2345

July 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IA
Recording Date	Jul 28, 2025
Property Address	1620 4TH AVE E, SPENCER, IA 51301-2345
Document Number	02025/1788
Book / Page	2025 / 1788
Instrument Date	Jul 16, 2025
Instrument	2025 1788
Transaction Type	Foreclosure
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

November 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 22, 2021
Property Address	1620 4TH AVE E, SPENCER, IA 51301-2345
Document Number	02021/3652
Book / Page	2021 / 3652
Instrument Date	Nov 15, 2021
Instrument	2021 3652
Transaction Type	Foreclosure
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$311.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1620 4TH AVE E, SPENCER, IA 51301-2345
Investor	Possibly a Property Investor

Mortgage

Document Number	02021/3653
Date	Nov 22, 2021
Book Page	2021/3653
Instrument	2021 3653

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

August 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IA
Recording Date	Aug 12, 2021
Property Address	1620 4TH AVE E, SPENCER, IA 51301-2345
Document Number	2021/2561
Book / Page	2021 / 2561
Instrument Date	Aug 5, 2021
Instrument	2021 2561
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 3RD ST NE, ORANGE CITY, IA 51041-2124

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		$207,370 (-7.18%) Land $44,060 Building $163,310	$207,370 (-7.18%) Land $44,060 Building $163,310
2024	$4,349.00 (+2.11%)
2023		$223,420 (+18.1%) Land $30,850 Building $192,570	$223,420 (+18.1%) Land $30,850 Building $192,570
2022	$4,259.00 Homeowner's exemption	$189,180 Land $30,850 Building $158,330
2021			$189,180 Land $30,850 Building $158,330

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.

Nearby Properties on 4th Ave E

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures