1705 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1705 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,663 sqft · built 1959
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,500 (Jan 2005)
Tax Bill	$3,628 (2025)
Deeds & Mortgages	May 2018 Mortgage Oct 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607201012`

Property Details

APN / Parcel Number

Primary APN	`963607201012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,663 sqft Living Area
1st Floor Area	978 sqft
Basement Area	978 sqft
Finished Basement	425 sqft
Unfinished Basement	978 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	980 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	102 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1705 4TH AVE E
City	SPENCER
State	IA
Zip	51301-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 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, 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	2 Individual Names on Record
Mailing Address	1705 4TH AVE E, SPENCER, IA 51301-2346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2005 · Amount on Record
Deed Sale	Jan 3, 2005 · Amount on Record
Prior Sale	Jan 3, 2005 · Amount on Record
Deed Document Number	200532
Deed Book / Page	2005 / 32
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1705 4TH AVE E, SPENCER, IA 51301-2346
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000001081
Date	May 2, 2018
Book Page	0000002018/0000001081
Instrument	000000001081

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	176 Months
Due	Jan 1, 2033

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1705 4TH AVE E, SPENCER, IA 51301-2346
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/2884
Date	Oct 30, 2019
Book Page	2019/2884
Instrument	2884

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1705 4TH AVE E, SPENCER, IA 51301-2346
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1162
Date	May 13, 2019
Book Page	2019/1162
Instrument	1162

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1705 4TH AVE E, SPENCER, IA 51301-2346
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/2983
Date	Sep 22, 2021
Book Page	2021/2983
Instrument	2021 2983

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2031

Interest

Rate Type	Adjustable Rate

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	$3,628.00 (-5.64%) Homeowner's exemption	$256,840 (+9.89%) Land $24,480 Building $232,360	$256,840 (+9.89%) Land $24,480 Building $232,360
2024	$3,845.00 (+4.51%)
2023		$233,720 (+17.89%) Land $17,140 Building $216,580	$233,720 (+17.89%) Land $17,140 Building $216,580
2022	$3,679.00 Homeowner's exemption	$198,260 Land $17,140 Building $181,120
2021			$198,260 Land $17,140 Building $181,120

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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