Clay County property record for 721 E 4th St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1919 |
| Square Footage | 1,260 sqft Living Area |
| Lot Size | 7,500 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $160,000 (2023) |
| Tax Bill | $2,264.00 (2024) |
| Primary APN | 963607481018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,260 sqft Living Area |
| Basement Area | 1,260 sqft Basement |
| Finished Basement | 630 sqft Finished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Plaster Interior Structure |
| Year Built | Built 1919 |
|---|---|
| Exterior Material | Shingles Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Shingle Roof |
| Lot Area | 7,500 sqft (0.172 acres) |
| Depth X Width | 150 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 440 sqft Garage |
| Porch | Enclosed Porch |
| Porch Area | 190 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Water Source | Commercial Water Source |
| Old Parcel Number | 64096360748101800 |
|---|---|
| Street Address | 721 E 4TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5146 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S 150' 19 2 PALMER |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | PALMER'S SUBURBAN LOTS |
| Jurisdiction | CLAY IA |
| Minor Civil Division | SPENCER |
| Census Blockgroup | 2 |
| Census Block | 2019 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607481018
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 721 E 4TH ST, SPENCER, IA 51301-5146 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 29, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK IOWA |
| Jun 28, 2021 | Warranty Deed, Transfer · Commercial Mortgage STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on Record |
| Deed Sale | Sep 29, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2021 · Amount on Record |
| Deed Doc Number | 2023 2195 |
| Deed Book / Page | 2023 / 2195 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 29, 2023 |
| Property Address | 721 E 4TH ST, SPENCER, IA 51301-5146 |
| Document Number | 02023/2195 |
| Book / Page | 2023 / 2195 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023 2195 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.20 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 721 E 4TH ST, SPENCER, IA 51301-5146 |
| Document Number | 0020232196 |
|---|---|
| Date | Sep 29, 2023 |
| Instrument | 2023 2196 |
| Name | BANK IOWA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 28, 2021 |
| Property Address | 721 E 4TH ST, SPENCER, IA 51301-5146 |
| Document Number | 02021/2028 |
| Book / Page | 2021 / 2028 |
| Instrument Date | Jun 24, 2021 |
| Instrument | 2021 2028 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.80 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 23RD AVE W, SPENCER, IA 51301-2775 |
| Document Number | 02021/2029 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 2021/2029 |
| Instrument | 2021 2029 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $158,920 (+4.82%) Land $20,400 Building $138,520 | $158,920 (+4.82%) Land $20,400 Building $138,520 | |
| 2024 | $2,264.00 (+1.16%) | ||
| 2023 | $151,610 (+19.33%) Land $14,280 Building $137,330 | $151,610 (+19.33%) Land $14,280 Building $137,330 | |
| 2022 | $2,238.00 | $127,050 Land $14,280 Building $112,770 | |
| 2021 | $127,050 Land $14,280 Building $112,770 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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