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

Clay County property record for 605 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 1942
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$96,000 (Aug 2014)
Tax Bill	$2,886 (2024)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607481012`

Property Details

APN / Parcel Number

Primary APN	`963607481012`
Alternative APN	`64096360748101200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,691 sqft Living Area
1st Floor Area	728 sqft
Basement Area	820 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360748101200
Street Address	605 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 150' 12 2 PALMER
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	PALMER'S SUBURBAN LOTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2019
Census Tract	80200

Owner

Source: Clay County records · APN 963607481012

Assessment roll updated May 1, 2025 · Last verified October 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 File
Mailing Address	605 E 4TH ST, SPENCER, IA 51301-5144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2014 · Amount on Record
Deed Sale	Aug 29, 2014 · Amount on Record
Prior Sale	Jan 17, 2014
Deed Document Number	2014 2227
Deed Book / Page	2014 / 2227
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	605 E 4TH ST, SPENCER, IA 51301-5144
Transaction Type	Mortgage
Record Updated	Apr 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1308
Date	May 19, 2020
Book Page	2020/1308
Instrument	2020 1308

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$191,050 (+5.98%) Land $20,400 Building $170,650	$191,050 (+5.98%) Land $20,400 Building $170,650
2024	$2,886.00 (+10.41%)
2023		$180,270 (+21.5%) Land $14,280 Building $165,990	$180,270 (+21.5%) Land $14,280 Building $165,990
2022	$2,614.00	$148,370 Land $14,280 Building $134,090
2021			$148,370 Land $14,280 Building $134,090

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

Wildfire

Wildfire Risk	Low above 1% of the US · above 9% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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