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

Clay County property record for 402 E 4th St, Spencer, IA 51301

Property Summary

Property TypeLight Industrial
Details5,033 sqft · built 1979
Lot Size0.7 acres (30,492 sqft)
OwnerIndividual Name on Record
Last Sale$185,000 (Jun 2020)
Tax Bill$4,988 (2024)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN963618202001

Property Details

APN / Parcel Number

Primary APN963618202001
Alternative APN
  • 64096361820200100

Interior

Stories1 Story
Building Area5,033 sqft Gross Area
Gross Area19,594 sqft
FlooringTile
Overhead DoorOverhead Door

Exterior

Year BuiltBuilt 1979
Exterior MaterialMetal
Roof MaterialMetal
Lot Area30,492 sqft (0.7 acres)
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemRadiant
Heating FuelGas
Water SourceCommercial

Location & Zoning

Old Parcel Number64096361820200100
Street Address402 E 4TH ST
CitySPENCER
StateIA
Zip51301-5139
Property CategoryIndustrial
Property TypeIndustrial > Light Industrial
Local Zoning CodeC-2 HIGHWAY COMMERCIAL
Legal DescriptionW 112' 6 EGLESTON
Legal Range36
Legal Township17
Legal Section18
Legal SubdivisionEGLESTON ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2022
Census Tract80200

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address2730 160TH AVE, EVERLY, IA 51338-7502
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2020 · Amount on Record
Deed SaleJun 1, 2020 · Amount on Record
Deed Document Number2020 1458
Deed Book / Page2020 / 1458
Record UpdatedJun 8, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateJun 1, 2020
Property Address402 E 4TH ST, SPENCER, IA 51301-5139
Document Number02020/1458
Book / Page2020 / 1458
Instrument DateMay 18, 2020
Instrument2020 1458
Transaction TypeTransfer
Record UpdatedSep 30, 2025

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$295.20
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2730 160TH AVE, EVERLY, IA 51338-7502

Mortgage

Document Number2020145920201459
DateJun 1, 2020
Instrument2020 145920201459
Lender
NameUNITED COMMUNITY BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$248,520 (+5.69%) Land $42,000 Building $206,520$248,520 (+5.69%) Land $42,000 Building $206,520
2024$4,988.00 (+13.62%)
2023$235,140 (+11.83%) Land $62,910 Building $172,230$235,140 (+11.83%) Land $62,910 Building $172,230
2022$4,390.00$210,260 Land $62,910 Building $147,350
2021$210,260 Land $62,910 Building $147,350

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 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 RiskLow
lower than 99.8% of the US · lower than 98.1% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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