1708 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1708 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1955
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$103,500 (May 2018)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	May 2018 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607202002`

Property Details

APN / Parcel Number

Primary APN	`963607202002`
Alternative APN	`64096360720200200`

Interior

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	400 sqft
Unfinished Basement	552 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	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	308 sqft
Parking Spaces	1 Parking Space
Patio Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1708 4TH AVE E
City	SPENCER
State	IA
Zip	51301-2347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 2 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	3003
Census Tract	80200

Owner

Source: Clay County records, as of December 2, 2025

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	1708 4TH AVE E, SPENCER, IA 51301-2347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2018	Deed of Trust, Mortgage FAIRWAY INDEPENDENT MORTGAGE
Oct 6, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NORTHWEST BANK
May 31, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	Sep 28, 2012 · Amount on Record
Deed Document Number	20181431
Deed Book / Page	2018 / 1431
Last Transfer Date	Sep 17, 2020
Transfer Doc	2020/3058
Record Updated	Jun 8, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1708 4TH AVE E, SPENCER, IA 51301-2347
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001432
Date	May 31, 2018
Book Page	0000002018/0000001432
Instrument	000000001432

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Oct 6, 2020
Property Address	1708 4TH AVE E, SPENCER, IA 51301-2347
Document Number	2020/3058
Book / Page	2020 / 3058
Instrument Date	Sep 17, 2020
Instrument	2020 3058
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1708 4TH AVE E, SPENCER, IA 51301-2347

Mortgage

Document Number	2020305920203059
Date	Oct 6, 2020
Instrument	2020 305920203059

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 31, 2018
Property Address	1708 4TH AVE E, SPENCER, IA 51301-2347
Document Number	2018/1431
Book / Page	2018 / 1431
Instrument Date	May 8, 2018
Instrument	000000001431
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1708 4TH AVE E, SPENCER, IA 51301-2347

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	$2,262.00 Homeowner's exemption	$142,760 (+11.63%) Land $24,480 Building $118,280	$142,760 (+11.63%) Land $24,480 Building $118,280
2024	$2,262.00 (+6.1%)
2023		$127,890 (+17.95%) Land $17,140 Building $110,750	$127,890 (+17.95%) Land $17,140 Building $110,750
2022	$2,132.00 Homeowner's exemption	$108,430 Land $17,140 Building $91,290
2021			$108,430 Land $17,140 Building $91,290

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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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