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

Clay County property record for 716 E 4th St, Spencer, IA 51301 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 900 sqft · built 1890
Lot Size0.2 acres (8,712 sqft)
OwnerIndividual Name on File
Tax Bill$1,536 (2025)
Deeds & MortgagesJan 2021 Mortgage
Feb 2021 Transfer
Flood ZoneZone X (minimal risk)
APN963618226006

Property Details

APN / Parcel Number

Primary APN963618226006
Alternative APN
  • 64096361822600600

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories1 Story
Building Area900 sqft Living Area
1st Floor Area576 sqft
AtticAttic
Attic Area144 sqft
Basement Area756 sqft
Finished Basement250 sqft
Unfinished Basement756 sqft
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeMansard
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Lot Dimensions132 ft deep x 66 ft wide
Garage TypeDetached
Garage Area308 sqft
Parking Spaces1 Parking Space
PorchPatio
Porch Area220 sqft
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address716 E 4TH ST
CitySPENCER
StateIA
Zip51301-5145
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW 1/2 N 1/2 5 AUD PLAT 3
Legal Range36W
Legal Township96N
Legal Section18
Legal SubdivisionAUDITOR'S PLAT 3
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2021
Census Tract80200

Owner

Source: Clay County records · APN 963618226006

Assessment roll updated September 30, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address716 E 4TH ST, SPENCER, IA 51301-5145
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2021Deed of Trust, Mortgage · Conventional Mortgage
FARMERS TRUST & SAVINGS BANK
Feb 25, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last Transfer DateFeb 24, 2021
Transfer Doc2021/604
Record UpdatedJun 08, 2026

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address716 E 4TH ST, SPENCER, IA 51301-5145
Transaction TypeMortgage
Record UpdatedJun 28, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2021/199
DateJan 22, 2021
Book Page2021/199
Instrument2021 0199
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term312 Months
DueFeb 01, 2046
Interest
Rate TypeFixed Rate

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY IA
Recording DateFeb 25, 2021
Property Address716 E 4TH ST, SPENCER, IA 51301-5145
Document Number2021/604
Book / Page2021 / 604
Instrument DateFeb 24, 2021
Instrument2021 0604
Transaction TypeTransfer
Record UpdatedJun 28, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address716 E 4TH ST, SPENCER, IA 51301-5145

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,536.00 Homeowner's exemption$114,850 (+8.12%) Land $25,870 Building $88,980$114,850 (+8.12%) Land $25,870 Building $88,980
2024$1,536.00 (+8.32%)
2023$106,220 (+18.88%) Land $18,110 Building $88,110$106,220 (+18.88%) Land $18,110 Building $88,110
2022$1,418.00 Homeowner's exemption$89,350 Land $18,110 Building $71,240
2021$89,350 Land $18,110 Building $71,240

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 11 individual NFIP policies nearby
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 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 RiskLow
above 1% of the US · above 9% of Iowa
Wildfire LikelihoodLess than 1 in 10,000 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
Spencer Municipal Communications UtilityFiber1,000 / 1,000
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 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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