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

Clay County property record for 705 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,888 sqft · built 1900
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$16,000 (Jun 1989)
Tax Bill	$1,946 (2024)
Deeds & Mortgages	May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607481015`

Property Details

APN / Parcel Number

Primary APN	`963607481015`
Alternative APN	`64096360748101500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,888 sqft Living Area
1st Floor Area	944 sqft
Basement Area	944 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	192 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360748101500
Street Address	705 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 2 PALMERS W 1/2 16 2 PALMERS
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 963607481015

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	705 E 4TH ST, SPENCER, IA 51301-5146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 1989 · Amount on Record
Deed Sale	Jun 16, 1989 · Amount on Record
Deed Document Number	0000F3 223
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	705 E 4TH ST, SPENCER, IA 51301-5146
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001365
Date	May 24, 2018
Book Page	0000002018/0000001365
Instrument	000000001365

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	116 Months
Due	Jan 01, 2028

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		$161,550 (+11.08%) Land $33,300 Building $128,250	$161,550 (+11.08%) Land $33,300 Building $128,250
2024	$1,946.00 (-2.31%)
2023		$145,430 (+19.24%) Land $23,310 Building $122,120	$145,430 (+19.24%) Land $23,310 Building $122,120
2022	$1,992.00 Homeowner's exemption	$121,960 Land $23,310 Building $98,650
2021			$121,960 Land $23,310 Building $98,650

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.