Clay County property record for 712 E 4th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 620 sqft · built 1938 |
| Lot Size | 0.118 acres (5,148 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $952 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618226005 |
| Primary APN | 963618226005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 620 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 5,148 sqft (0.118 acres) |
| Garage Type | Attached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 64 sqft |
| Patio Area | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 712 E 4TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-5145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT E 45.5' AT N END & 31.5' AT S END 6 AUD PLAT 3 |
| Legal Range | 36W |
| Legal Township | 96N |
| 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 |
712 E 4th St is owned and occupied by an individual.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 712 E 4TH ST, SPENCER, IA 51301-5145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 712 E 4th St was $952 with a homeowner's exemption, up 1.9% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $952.00 (+1.93%) Homeowner's exemption | $73,010 Land $16,200 Building $56,810 | $73,010 Land $16,200 Building $56,810 |
| 2024 | $934.00 | ||
| 2023 | $68,540 (+17.65%) Land $11,340 Building $57,200 | $68,540 Land $11,340 Building $57,200 | |
| 2022 | $870.00 Homeowner's exemption | $58,260 Land $11,340 Building $46,920 | |
| 2021 | $58,260 Land $11,340 Building $46,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 712 E 4th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2004.
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 File 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 |
|
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 risk around 712 E 4th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 91% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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