723 4th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 723 4th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,145 sqft · built 1920
Lot Size	0.218 acres (9,514 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Mar 2025)
Tax Bill	$1,722 (2024)
Deeds & Mortgages	Apr 2022 Sale & Mortgage May 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607413008`

Property Details

APN / Parcel Number

Primary APN	`963607413008`
Alternative APN	`64096360741300800`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,145 sqft Living Area
1st Floor Area	576 sqft
Attic Area	317 sqft
Basement Area	576 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	9,514 sqft (0.218 acres)
Lot Dimensions	142 ft deep x 67 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360741300800
Street Address	723 4TH AVE E
City	SPENCER
State	IA
Zip	51301-4502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	1 17 COLLEGE & N 17' 2 17 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2003
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 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
Mailing Address	723 4TH AVE E, SPENCER, IA 51301-4502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
May 8, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 7, 2025 · Amount on Record
Deed Sale	Mar 7, 2025 · Amount on Record
Prior Sale	Apr 29, 2022 · Amount on Record
Deed Document Number	2025 546
Deed Book / Page	2025 / 546
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 29, 2022
Property Address	723 4TH AVE E, SPENCER, IA 51301-4502
Document Number	02022/1088
Book / Page	2022 / 1088
Instrument Date	Apr 27, 2022
Instrument	2022 1088
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	723 4TH AVE E, SPENCER, IA 51301-4502

Mortgage

Document Number	02022/1089
Date	Apr 29, 2022
Book Page	2022/1089
Instrument	2022 1089

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	May 8, 2020
Property Address	723 4TH AVE E, SPENCER, IA 51301-4502
Document Number	02020/1179
Book / Page	2020 / 1179
Instrument Date	May 4, 2020
Instrument	2020 1179
Transaction Type	Transfer
Record Updated	Jun 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	205 OTSEGO ST, STORM LAKE, IA 50588-1735

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$125,210 (+6.34%) Land $23,450 Building $101,760	$125,210 (+6.34%) Land $23,450 Building $101,760
2024	$1,722.00 (+7.63%)
2023		$117,740 (+18.09%) Land $18,090 Building $99,650	$117,740 (+18.09%) Land $18,090 Building $99,650
2022	$1,600.00	$99,700 Land $18,090 Building $81,610
2021			$99,700 Land $18,090 Building $81,610

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 Record 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	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

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

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	None beyond ember reach

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, Verizon.

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