3 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 3 4th Ave E, Spencer, IA 51301 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 700 sqft · built 1945
Lot Size	0.202 acres (8,798 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Dec 2021)
Tax Bill	$594 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618252031`

Property Details

APN / Parcel Number

Primary APN	`963618252031`
Alternative APN	`64096361825203100`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	700 sqft Living Area
1st Floor Area	640 sqft
Basement Area	640 sqft
Unfinished Basement	640 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,798 sqft (0.202 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	3 4TH AVE E
City	SPENCER
State	IA
Zip	51301-5244
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 OF REPLAT OF LOT 3 EGLESTONS IRREG LOTS SW NE 18-96-36
Legal Range	36W
Legal Township	96N
Legal Section	18
Legal Subdivision	EGLESTON IRREGULAR
Legal Lot Number	3
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2038
Census Tract	80200

Owner

Source: Clay County records · APN 963618252031

Assessment roll updated September 30, 2025 · Last verified April 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 File
Mailing Address	3 4TH AVE E, SPENCER, IA 51301-5244
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 21, 2021 · Amount on Record
Deed Sale	Dec 21, 2021 · Amount on Record
Deed Document Number	20214000
Deed Book / Page	2021 / 4000
Last Transfer Date	Aug 08, 2024
Transfer Doc	02024/1553
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 21, 2021
Property Address	3 4TH AVE E, SPENCER, IA 51301-5244
Document Number	02021/4000
Book / Page	2021 / 4000
Instrument Date	Dec 21, 2021
Instrument	2021 4000
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 4TH AVE E, SPENCER, IA 51301-5244

Mortgage

Document Number	02021/4002
Date	Dec 21, 2021
Book Page	2021/4002
Instrument	2021 4002

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Feb 21, 2027

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$594.00 Homeowner's exemption	$50,610 (+7%) Land $13,720 Building $36,890	$50,610 (+7%) Land $13,720 Building $36,890
2024	$594.00 (-13.16%)
2023		$47,300 (-0.73%) Land $11,430 Building $35,870	$47,300 (-0.73%) Land $11,430 Building $35,870
2022	$684.00 Disabled Person's exemption Senior Citizen's exemption	$47,650 Land $11,430 Building $36,220
2021			$47,650 Land $11,430 Building $36,220

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 34% of the US · above 61% of Iowa
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.