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

Clay County property record for 612 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,715 sqft · built 1936
Lot Size	0.16 acres (6,996 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Apr 2023)
Tax Bill	$3,244 (2024)
Deeds & Mortgages	Apr 2023 Sale Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963618226002`

Property Details

APN / Parcel Number

Primary APN	`963618226002`
Alternative APN	`64096361822600200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,715 sqft Living Area
1st Floor Area	672 sqft
Attic Area	235 sqft
Basement Area	720 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1936
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Lot Area	6,996 sqft (0.16 acres)
Lot Dimensions	106 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096361822600200
Street Address	612 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5143
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E66' OF N105' AT W & 106' ON E S OF ST 10 AUD PLAT 3
Legal Range	36
Legal Township	17
Legal Section	18
Legal Subdivision	AUDITOR'S PLAT 3
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records · APN 963618226002

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
Co-owner	Verified Secondary Owner
Mailing Address	612 E 4TH ST, SPENCER, IA 51301-5143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2023	Warranty Deed, Transfer
Oct 26, 2018	Warranty Deed, Transfer WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Prior Sale	Oct 26, 2018 · Amount on Record
Deed Document Number	2023 625
Deed Book / Page	2023 / 625
Record Updated	Jun 08, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 11, 2023
Property Address	612 E 4TH ST, SPENCER, IA 51301-5143
Document Number	002023/625
Book / Page	2023 / 625
Instrument Date	Apr 03, 2023
Instrument	2023 625
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount Recorded
Tax	$303.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	612 E 4TH ST, SPENCER, IA 51301-5143

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 26, 2018
Property Address	612 E 4TH ST, SPENCER, IA 51301-5143
Document Number	02018/2829
Book / Page	2018 / 2829
Instrument Date	Oct 24, 2018
Instrument	000000002829
Transaction Type	Transfer
Record Updated	May 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 E 4TH ST, SPENCER, IA 51301-5143

Mortgage

Document Number	0000002018/0000002830
Date	Oct 26, 2018
Book Page	0000002018/0000002830
Instrument	000000002830

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 01, 2048

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		$232,450 (+5.02%) Land $23,760 Building $208,690	$232,450 (+5.02%) Land $23,760 Building $208,690
2024	$3,244.00 (+0.81%)
2023		$221,330 (+21.2%) Land $16,630 Building $204,700	$221,330 (+21.2%) Land $16,630 Building $204,700
2022	$3,218.00	$182,620 Land $16,630 Building $165,990
2021			$182,620 Land $16,630 Building $165,990

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410802002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims By Storm	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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