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

Clay County property record for 511 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,580 sqft · built 1900
Lot Size	0.165 acres (7,212 sqft)
Owner	Individual Name on Record
Last Sale	$93,000 (Jul 2020)
Tax Bill	$2,090 (2024)
Deeds & Mortgages	Jan 2009 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607458009`

Property Details

APN / Parcel Number

Primary APN	`963607458009`
Alternative APN	`64096360745800900`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,580 sqft Living Area
1st Floor Area	588 sqft
Basement Area	588 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,212 sqft (0.165 acres)
Garage Type	Attached
Garage Area	334 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	214 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360745800900
Street Address	511 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5142
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	9 12 3RD RY ADD TR 7.2' X 16.4' OF 10 12 3RD RY ADD
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	RAILWAY 3RD ADDITION
Legal Tract	7
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2018
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	511 E 4TH ST, SPENCER, IA 51301-5142
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2009	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 1, 2020	Warranty Deed, Transfer · Conventional Mortgage TRADITION MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2020 · Amount on Record
Deed Sale	Jul 1, 2020 · Amount on Record
Prior Sale	May 17, 2011 · Amount on Record
Deed Document Number	2020 1897
Deed Book / Page	2020 / 1897
Record Updated	Jun 7, 2026

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	511 E 4TH ST, SPENCER, IA 51301-5142
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/0039
Date	Jan 5, 2009
Book Page	2009/0039
Instrument	2009 0039

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Jan 5, 2042

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2020
Property Address	511 E 4TH ST, SPENCER, IA 51301-5142
Document Number	2020/1897
Book / Page	2020 / 1897
Instrument Date	Jun 25, 2020
Instrument	2020 1897
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 E 4TH ST, SPENCER, IA 51301-5142

Mortgage

Document Number	2020189820201898
Date	Jul 1, 2020
Instrument	2020 189820201898

Lender

Name	TRADITION MORTGAGE LLC

Agreement

Type	Conventional 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		$142,540 (+9.16%) Land $20,390 Building $122,150	$142,540 (+9.16%) Land $20,390 Building $122,150
2024	$2,090.00 (+9.65%)
2023		$130,580 (+20.65%) Land $14,270 Building $116,310	$130,580 (+20.65%) Land $14,270 Building $116,310
2022	$1,906.00	$108,230 Land $14,270 Building $93,960
2021			$108,230 Land $14,270 Building $93,960

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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