Clay County property record for 704 E 4th St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 3 ba · 962 sqft · built 1937 |
| Lot Size | 0.14 acres (6,138 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $61,000 (Aug 2002) |
| Tax Bill | $1,610 (2024) |
| Deeds & Mortgages | May 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618226003 |
| Primary APN | 963618226003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 962 sqft Living Area |
| 1st Floor Area | 642 sqft |
| Basement Area | 642 sqft |
| Game Room | Game Room |
| Flooring | Softwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 6,138 sqft (0.14 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096361822600300 |
|---|---|
| Street Address | 704 E 4TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W 40' AT N END & 53' AT S END 8 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 |
Source: Clay County records · APN 963618226003
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 E 4TH ST, SPENCER, IA 51301-5145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 28, 2002 · Amount on Record |
| Deed Sale | Aug 28, 2002 · Amount on Record |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 704 E 4TH ST, SPENCER, IA 51301-5145 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/1346 |
|---|---|
| Date | May 30, 2019 |
| Book Page | 2019/1346 |
| Instrument | 1346 |
| Name | COMMUNITY STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jun 01, 2024 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $133,570 (+7.29%) Land $17,380 Building $116,190 | $133,570 (+7.29%) Land $17,380 Building $116,190 | |
| 2024 | $1,610.00 (-3.13%) | ||
| 2023 | $124,490 (+20.55%) Land $12,170 Building $112,320 | $124,490 (+20.55%) Land $12,170 Building $112,320 | |
| 2022 | $1,662.00 Homeowner's exemption | $103,270 Land $12,170 Building $91,100 | |
| 2021 | $103,270 Land $12,170 Building $91,100 |
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
| 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 |
|
| 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.
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.
5G and 4G LTE
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