1. Home
  2. Iowa
  3. Clay County
  4. Spencer
  5. E 4th St

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

Clay County property record for 720 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 1900
Square Footage1,389 sqft Living Area
Lot Size8,712 sqft (0.2 acres)
OccupancyOwner Occupied
Last Sale$90,000 (2019)
Tax Bill$1,764.00 (2024)

Property Details

APN / Parcel Number

Primary APN963618226007
Alternative APN
  • 64096361822600700

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Total Rooms12 Rooms
Building Area1,389 sqft Living Area
1st Floor756 sqft 1st Floor
Basement Area756 sqft Basement
Finished Basement604 sqft Finished
Game RoomGame Room
Stories2 Stories
Primary FlooringHardwood Flooring
Interior StructurePlaster Interior Structure
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1900
Exterior MaterialVinyl Exterior
Construction TypeFrame Construction
Foundation TypeBlock Foundation
Roof ConstructionGable Roof Construction
Lot Area8,712 sqft (0.2 acres)
Depth X Width132 ft x 66 ft Depth x Width
Parking Spaces3 Parking Spaces
Garage TypeDetached Garage
Garage Area720 sqft Garage
Patio Area240 sqft Patio
PorchOpen Porch
Porch Area56 sqft Porch

Utilities and HVAC

Cooling SystemNone Cooling
Heating SystemForced Air Heating
Water SourceCommercial Water Source

Location & Zoning

Old Parcel Number64096361822600700
Street Address720 E 4TH ST
CitySPENCER
StateIA
Zip51301-5145
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionE 1/2 N 1/2 5 AUD PLAT 3
Legal Range36
Legal Township17
Legal Section18
Legal SubdivisionAUDITOR'S PLAT 3
JurisdictionCLAY IA
Minor Civil DivisionSPENCER
Census Blockgroup2
Census Block2021
Census Tract80200

Owner

Source: Clay County records · APN 963618226007

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 Address720 E 4TH ST, SPENCER, IA 51301-5145
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 02, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 20, 2019Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 20, 2019 · Amount on Record
Deed SaleAug 20, 2019 · Amount on Record
Deed Doc Number0020192175
Deed Book / Page2019 / 2175
Record RefreshedJun 08, 2026

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address720 E 4TH ST, SPENCER, IA 51301-5145
Transaction TypeMortgage
Record UpdatedJun 01, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
InvestorPossibly a Property Investor

Mortgage

Document Number002020/830
DateApr 02, 2020
Book Page2020/830
Instrument830
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term349 Months
DueMay 01, 2049

August 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateAug 20, 2019
Property Address720 E 4TH ST, SPENCER, IA 51301-5145
Document Number02019/2175
Book / Page2019 / 2175
Instrument DateAug 09, 2019
Instrument2175
Transaction TypeTransfer
Record UpdatedJun 01, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount from Assessment
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address720 E 4TH ST, SPENCER, IA 51301-5145
InvestorPossibly a Property Investor

Mortgage

Document Number02019/2176
DateAug 20, 2019
Book Page2019/2176
Instrument2176
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2049

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$121,150 (+9.97%) Land $25,870 Building $95,280$121,150 (+9.97%) Land $25,870 Building $95,280
2024$1,764.00 (+8.22%)
2023$110,170 (+19.03%) Land $18,110 Building $92,060$110,170 (+19.03%) Land $18,110 Building $92,060
2022$1,630.00$92,560 Land $18,110 Building $74,450
2021$92,560 Land $18,110 Building $74,450

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

Nearby Properties on E 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures