222 E 4th St, Spencer, IA 51301 Property Records

Clay County property record for 222 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,230 sqft · built 1900
Lot Size	0.44 acres (19,180 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Jun 2021)
Tax Bill	$2,850 (2024)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618201020`

Property Details

APN / Parcel Number

Primary APN	`963618201020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,230 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	1,088 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Architectural Style	Colonial
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Hip
Lot Area	19,180 sqft (0.44 acres)
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	48 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Street Address	222 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 66' OF N 1/2 LESS TRI TR 11' X 138.6' ON W 10 EGLESTON & W 82' OF N 1/2 9 EGLESTON
Legal Subdivision	EGLESTON ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2023
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	222 E 4TH ST, SPENCER, IA 51301-5129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Mar 2, 2021	Deed of Trust, Mortgage · Commercial Mortgage PINNACLE BANK
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on Record
Deed Sale	Jun 21, 2021 · Amount on Record
Deed Document Number	2021 1911
Deed Book / Page	2021 / 1911
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	222 E 4TH ST, SPENCER, IA 51301-5129
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/2490
Date	Sep 20, 2017
Book Page	2017/2490
Instrument	2017 2490

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	222 E 4TH ST, SPENCER, IA 51301-5129
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/661
Date	Mar 2, 2021
Book Page	2021/661
Instrument	2021 0661

Lender

Name	PINNACLE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 21, 2021
Property Address	222 E 4TH ST, SPENCER, IA 51301-5129
Document Number	02021/1911
Book / Page	2021 / 1911
Instrument Date	May 27, 2021
Instrument	2021 1911
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 E 4TH ST, SPENCER, IA 51301-5129

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	222 E 4TH ST, SPENCER, IA 51301-5129

Mortgage

Document Number	02021/1912
Date	Jun 18, 2021
Book Page	2021/1912
Instrument	2021 1912

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	5.87%
Index	1-Year CMT
Margin	3

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		$211,490 (+12.31%) Land $56,100 Building $155,390	$211,490 (+12.31%) Land $56,100 Building $155,390
2024	$2,850.00 (+7.06%)
2023		$188,310 (+17.68%) Land $39,270 Building $149,040	$188,310 (+17.68%) Land $39,270 Building $149,040
2022	$2,662.00 Homeowner's exemption	$160,020 Land $39,270 Building $120,750
2021			$160,020 Land $39,270 Building $120,750

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 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 98.1% 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 371 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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