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

Clay County property record for 27 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	4,032 sqft · built 1888
Lot Size	0.052 acres (2,268 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Oct 2016)
Tax Bill	$2,720 (2024)
Deeds & Mortgages	Jun 2023 Line of Credit Jan 2007 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607388016`

Property Details

APN / Parcel Number

Primary APN	`963607388016`
Alternative APN	`68396360738801600`

Interior

Stories	2 Stories
Building Area	4,032 sqft Gross Area
Gross Area	8,064 sqft
Basement Area	1,764 sqft
Flooring	Carpet

Exterior

Year Built	Built 1888
Exterior Material	Brick
Construction Type	Frame
Roof Material	Urethane Foam
Lot Area	2,268 sqft (0.052 acres)
Lot Dimensions	54 ft deep x 42 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68396360738801600
Street Address	27 E 4TH ST
City	SPENCER
State	IA
Zip	51301-4010
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CBD CENTRAL B
Legal Description	S 3' 8" OF E 42' S 3' 8" OF E 42' LOT 5 & E 42' 6 30 LOT 5 & E 42' 6 30 1ST RY 1ST RY
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	RAILWAY 1ST ADDITION
Legal Lot Number	5
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2013
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
Mailing Address	416 S GRAND AVE, SPENCER, IA 51301-5319
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2023	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Jan 16, 2007	Legal Action/Court Order, Foreclosure · Commercial Mortgage STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2016 · Amount on Record
Deed Sale	Oct 7, 2016 · Amount on Record
Prior Sale	Apr 29, 2010 · Amount on Record
Deed Document Number	2016 2886
Deed Book / Page	2016 / 2886
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	27 E 4TH ST, SPENCER, IA 51301-4010
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/1227
Date	Jun 20, 2023
Book Page	2023/1227
Instrument	2023 1227

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jan 16, 2007
Property Address	27 E 4TH ST, SPENCER, IA 51301-4010
Document Number	002007/132
Book / Page	2007 / 132
Instrument Date	Dec 21, 2006
Instrument	2007 0132
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$72.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 4TH AVE W, SPENCER, IA 51301-2044
Investor	Possibly a Property Investor

Mortgage

Document Number	0020070133
Date	Jan 16, 2007
Instrument	2007 0133

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 8, 2012

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		$126,310 (-16.88%) Land $11,340 Building $114,970	$126,310 (-16.88%) Land $11,340 Building $114,970
2024	$2,720.00 (+6%)
2023		$151,960 (+17.31%) Land $19,150 Building $132,810	$151,960 (+17.31%) Land $19,150 Building $132,810
2022	$2,566.00	$129,540 Land $19,150 Building $110,390
2021			$129,540 Land $19,150 Building $110,390

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	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.

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 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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