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

Clay County property record for 801 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,421 sqft · built 1900
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,588 (2024)
Deeds & Mortgages	Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607482019`

Property Details

APN / Parcel Number

Primary APN	`963607482019`
Alternative APN	`64096360748201900`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,421 sqft Living Area
1st Floor Area	384 sqft
Basement Area	768 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	9,900 sqft (0.227 acres)
Lot Dimensions	99 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	35 sqft
Patio Area	255 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360748201900
Street Address	801 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 99' 18-19 1 PALMERS
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	PALMER'S SUBURBAN LOTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2020
Census Tract	80200

Owner

Source: Clay County records · APN 963607482019

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	801 E 4TH ST, SPENCER, IA 51301-5148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 07, 1997
Deed Sale	May 07, 1997
Deed Document Number	00000T3 46
Record Updated	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	801 E 4TH ST, SPENCER, IA 51301-5148
Transaction Type	Mortgage
Record Updated	Aug 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2026
Date	Aug 05, 2019
Book Page	2019/2026
Instrument	2026

Lender

Name	COMMUNITY STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Sep 01, 2024

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		$121,780 (+11.3%) Land $31,680 Building $90,100	$121,780 (+11.3%) Land $31,680 Building $90,100
2024	$1,588.00 (+7.73%)
2023		$109,420 (+18.27%) Land $22,180 Building $87,240	$109,420 (+18.27%) Land $22,180 Building $87,240
2022	$1,474.00 Homeowner's exemption	$92,520 Land $22,180 Building $70,340
2021			$92,520 Land $22,180 Building $70,340

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.