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717 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 717 4th Ave E, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,292 sqft · built 1895
Lot Size0.27 acres (11,786 sqft)
OwnerIndividual Name on File
Tax Bill$1,102 (2024)
Deeds & MortgagesMar 2023 Line of Credit
Flood ZoneZone X (minimal risk)
APN963607413009

Property Details

APN / Parcel Number

Primary APN963607413009

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,292 sqft Living Area
1st Floor Area574 sqft
Basement Area574 sqft
Finished Basement275 sqft
Interior WallsPlaster

Exterior

Year BuiltBuilt 1895
Architectural StyleTraditional
Construction TypeFrame
Foundation TypeBlock
Roof TypeGable
Lot Area11,786 sqft (0.27 acres)
Lot Dimensions142 ft deep x 83 ft wide
Garage TypeMixed
Garage Area920 sqft
Parking Spaces3 Parking Spaces
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Street Address717 4TH AVE E
CitySPENCER
StateIA
Zip51301-4502
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS 33' 2 17 COLLEGE 3 17 COLLEGE
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2003
Census Tract80200

Owner

Source: Clay County records · APN 963607413009

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 RecordIndividual Name on File
Mailing Address1717 3RD AVE E, SPENCER, IA 51301-4456
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 31, 2014
Deed SaleDec 31, 2014
Deed Document Number0000020158
Record UpdatedJun 08, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address717 4TH AVE E, SPENCER, IA 51301-4502
Transaction TypeMortgage
Record UpdatedApr 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number002023/517
DateMar 30, 2023
Book Page2023/517
Instrument2023 517
Lender
NameCOMMUNITY STATE BANK
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueMar 31, 2028

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

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$77,260 (+12.23%) Land $26,150 Building $51,110$77,260 (+12.23%) Land $26,150 Building $51,110
2024$1,102.00 (+5.15%)
2023$68,840 (+15.72%) Land $20,170 Building $48,670$68,840 (+15.72%) Land $20,170 Building $48,670
2022$1,048.00$59,490 Land $20,170 Building $39,320
2021$59,490 Land $20,170 Building $39,320

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 RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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 451 locations within about half a mile of this property

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

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

Mobile Coverage

5G and 4G LTE

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