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

Clay County property record for 423 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Warehouse, Storage
Details	1 ba · 3,200 sqft · built 1997
Lot Size	0.277 acres (12,075 sqft)
Owner	Individual Name on Record
Last Sale	$157,000 (May 2019)
Tax Bill	$2,074 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607457007`

Property Details

APN / Parcel Number

Primary APN	`963607457007`
Alternative APN	`64096360745700700`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	3,200 sqft Gross Area
Gross Area	770 sqft
Overhead Door	Overhead Door

Exterior

Year Built	Built 1997
Exterior Material	Metal
Construction Type	Frame
Roof Material	Metal
Lot Area	12,075 sqft (0.277 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Gas
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360745700700
Street Address	423 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5138
Property Category	Industrial
Property Type	Industrial > Warehouse, Storage
Local Zoning Code	C-2 HIGHWAY COMMERCIAL
Legal Description	PT 11 11 3RD RY ALL 12 11 3RD RY & S 1/2 VAC ALLEY ADJ ON N
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	2017
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	2360 HIGHWAY 18, SPENCER, IA 51301-7466
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Deed Document Number	1350
Deed Book / Page	2019 / 1350
Record Updated	Jun 8, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 31, 2019
Property Address	423 E 4TH ST, SPENCER, IA 51301-5138
Document Number	02019/1350
Book / Page	2019 / 1350
Instrument Date	May 28, 2019
Instrument	1350
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	1521 W 14TH ST, SPENCER, IA 51301-2859

Mortgage

Document Number	02019/1383
Date	Jun 3, 2019
Book Page	2019/1383
Instrument	1383

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		$168,250 (+29.84%) Land $18,110 Building $150,140	$168,250 (+29.84%) Land $18,110 Building $150,140
2024	$2,074.00 (-11.44%)
2023		$129,580 (-2.56%) Land $21,170 Building $108,410	$129,580 (-2.56%) Land $21,170 Building $108,410
2022	$2,342.00	$132,980 Land $23,710 Building $109,270
2021			$132,980 Land $23,710 Building $109,270

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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