Clay County property record for 17 W 4th St, Spencer, IA 51301
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 4,048 sqft · built 1916 |
| Lot Size | 0.053 acres (2,300 sqft) |
| Owner | Company Name on File |
| Last Sale | $240,000 (Apr 2023) |
| Tax Bill | $2,812 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607387011 |
| Primary APN | 963607387011 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 4,048 sqft Gross Area |
| Basement Area | 2,024 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Exterior Material | Brick |
| Roof Material | Urethane Foam |
| Lot Area | 2,300 sqft (0.053 acres) |
| Lot Dimensions | 100 ft deep x 23 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 17 W 4TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4014 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | E 23' E 23' 13-14 31 1ST RY ADD 13-14 31 1ST RY ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | RAILWAY 1ST ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 80301 |
17 W 4th St, a commercial property, is owned by a company that bought it in April 2023.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 896 EMERALD PINES DR, ARNOLDS PARK, IA 51331-7579 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2023 · Amount on File |
| Deed Sale | Apr 3, 2023 · Amount on File |
| Deed Document Number | 2023552 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 17 W 4TH ST, SPENCER, IA 51301-4014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/554 |
|---|---|
| Date | Apr 3, 2023 |
| Book Page | 2023/554 |
| Instrument | 2023 554 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 17 W 4th St was $2,812, up 25.6% from the year before.
Source: Clay County assessment roll, as of September 30, 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 | $2,812.00 (+25.65%) | $145,230 Land $11,500 Building $133,730 | $145,230 Land $11,500 Building $133,730 |
| 2024 | $2,238.00 | ||
| 2023 | $118,500 (+17.05%) Land $16,190 Building $102,310 | $118,500 Land $16,190 Building $102,310 | |
| 2022 | $2,060.00 Homeowner's exemption | $101,240 Land $16,190 Building $85,050 | |
| 2021 | $101,240 Land $16,190 Building $85,050 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 17 W 4th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (2024) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 17 W 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 484 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 | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Nextlink.
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