Clay County property record for 206 4th Ave W, Spencer, IA 51301
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 1.5 ba · 864 sqft · built 1960 |
| Lot Size | 0.213 acres (9,272 sqft) |
| Owner | Trust Name on File |
| Last Sale | $160,000 (Nov 2021) |
| Tax Bill | $2,042 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618105008 |
| Primary APN | 963618105008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Total Area |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,272 sqft (0.213 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 206 4TH AVE W |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4119 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 9-10 4 L & H |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 18 |
| Legal Subdivision | LOVEWELL & HUBBARD |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 80301 |
206 4th Ave W, a duplex, is held in a trust since August 2023.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 2006 10TH AVE E, SPENCER, IA 51301-2431 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
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 | Nov 18, 2021 · Amount on File |
| Deed Sale | Nov 18, 2021 · Amount on File |
| Deed Document Number | 20213618 |
| Deed Book / Page | 2021 / 3618 |
| Last Transfer Date | Aug 28, 2023 |
| Transfer Doc | 0000002109 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 206 4th Ave W was $2,042, up 2.7% 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 | $2,042.00 (+2.72%) | $133,310 Land $25,980 Building $107,330 | $133,310 Land $25,980 Building $107,330 |
| 2024 | $1,988.00 | ||
| 2023 | $124,220 (+19.21%) Land $20,050 Building $104,170 | $124,220 Land $20,050 Building $104,170 | |
| 2022 | $1,836.00 | $104,200 Land $20,050 Building $84,150 | |
| 2021 | $104,200 Land $20,050 Building $84,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 4th Ave W in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Wildfire risk around 206 4th Ave W is low, with less than a 0.01% annual chance of 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.
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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