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

Clay County property record for 725 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1919
Square Footage	1,260 sqft Living Area
Lot Size	7,300 sqft (0.167 acres)
Occupancy	Owner Occupied
Last Sale	$170,000 (2016)
Tax Bill	$2,948.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607481019`
Alternative APN	`64096360748101900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	11 Rooms
Building Area	1,260 sqft Living Area
Basement Area	1,260 sqft Basement
Finished Basement	1,000 sqft Finished
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Plaster Interior Structure

Exterior

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	7,300 sqft (0.167 acres)
Depth X Width	146 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage
Porch	Enclosed Porch
Porch Area	208 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360748101900
Street Address	725 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5146
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S 146' 20 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

Owner

Source: Clay County records · APN 963607481019

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	2 Individual Names on File
Mailing Address	725 E 4TH ST, SPENCER, IA 51301-5146
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 04, 2016 · Amount on Record
Deed Sale	Nov 04, 2016 · Amount on Record
Deed Doc Number	0020163396
Record Refreshed	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	725 E 4TH ST, SPENCER, IA 51301-5146
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/999
Date	Apr 02, 2021
Book Page	2021/999
Instrument	2021 999

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

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		$202,870 (+4.34%) Land $20,200 Building $182,670	$202,870 (+4.34%) Land $20,200 Building $182,670
2024	$2,948.00 (+9.35%)
2023		$194,430 (+20.07%) Land $14,140 Building $180,290	$194,430 (+20.07%) Land $14,140 Building $180,290
2022	$2,696.00 Homeowner's exemption	$161,930 Land $14,140 Building $147,790
2021			$161,930 Land $14,140 Building $147,790

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.