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

Clay County property record for 303 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,332 sqft · built 1920
Lot Size	0.195 acres (8,520 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Apr 2023)
Tax Bill	$3,052 (2024)
Deeds & Mortgages	Aug 2020 Construction Loan Apr 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607456008`

Property Details

APN / Parcel Number

Primary APN	`963607456008`
Alternative APN	`64096360745600800`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,332 sqft Living Area
1st Floor Area	960 sqft
Attic Area	528 sqft
Basement Area	1,116 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Exterior Material	Vinyl
Construction Type	Wood Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	8,520 sqft (0.195 acres)
Lot Dimensions	142 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	1,180 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	608 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Old Parcel Number	64096360745600800
Street Address	303 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	B SPENCER MUL
Legal Description	8 10 3RD RY ADD W 10' OF 9 EXC. N10' THEREOF 10 3RD RY
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	RAILWAY 3RD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2016
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	620 E 18TH ST, SPENCER, IA 51301-4636
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2020	Deed of Trust, Mortgage · Construction Mortgage FARMERS TRUST & SAVINGS BANK
Apr 11, 2023	Warranty Deed, Transfer
Jul 2, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Prior Sale	Jul 2, 2019 · Amount on Record
Deed Document Number	0002023624
Deed Book / Page	2023 / 624
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	303 E 4TH ST, SPENCER, IA 51301-5136
Transaction Type	Mortgage
Record Updated	Jun 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/2395
Date	Aug 10, 2020
Book Page	2020/2395
Instrument	2020 2395

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 11, 2023
Property Address	303 E 4TH ST, SPENCER, IA 51301-5136
Document Number	002023/624
Book / Page	2023 / 624
Instrument Date	Mar 31, 2023
Instrument	2023 624
Transaction Type	Transfer
Record Updated	Jun 25, 2026

Transaction

Amount	Amount Recorded
Tax	$63.20
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 18TH ST, SPENCER, IA 51301-4636

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 2, 2019
Property Address	303 E 4TH ST, SPENCER, IA 51301-5136
Document Number	02019/1673
Book / Page	2019 / 1673
Instrument Date	Jun 28, 2019
Instrument	1673
Transaction Type	Transfer
Record Updated	Jun 25, 2026

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	303 E 4TH ST, SPENCER, IA 51301-5136
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001674
Date	Jul 2, 2019
Instrument	1674

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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		$262,390 (+21.88%) Land $24,000 Building $238,390	$262,390 (+21.88%) Land $24,000 Building $238,390
2024	$3,052.00 (-1.93%)
2023		$215,290 Land $16,800 Building $198,490	$215,290 Land $16,800 Building $198,490
2022	$3,112.00

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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