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

Clay County property record for 802 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1969
Square Footage	1,288 sqft Living Area
Lot Size	6,600 sqft (0.151 acres)
Garage	Detached, 576 sqft
Last Sale	$60,000 (2021)
Tax Bill	$2,150.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963618226009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	5 Rooms
Building Area	1,288 sqft Living Area
1st Floor	1,120 sqft 1st Floor
Basement Area	1,120 sqft Basement
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1969
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Gable Roof Construction
Lot Area	6,600 sqft (0.151 acres)
Depth X Width	132 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage
Patio Area	242 sqft Patio
Porch	Enclosed Porch
Porch Area	168 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	802 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5147
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	N 1/2 W 50' 3 AUD PLAT 3
Legal Subdivision	AUDITOR'S PLAT 3
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records · APN 963618226009

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	Company Name on File
Mailing Address	1909 390TH ST, SPENCER, IA 51301-7489
Owner Type	Owner is a Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 10, 2021 · Amount on Record
Deed Sale	May 10, 2021 · Amount on Record
Deed Doc Number	2021 1423
Deed Book / Page	2021 / 1423
Record Refreshed	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 10, 2021
Property Address	802 E 4TH ST, SPENCER, IA 51301-5147
Document Number	02021/1423
Book / Page	2021 / 1423
Instrument Date	May 03, 2021
Instrument	2021 1423
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$95.20
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 390TH ST, SPENCER, IA 51301-7489

Mortgage

Document Number	02021/1424
Date	May 10, 2021
Book Page	2021/1424
Instrument	2021 1424

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$144,370 (+7.53%) Land $19,600 Building $124,770	$144,370 (+7.53%) Land $19,600 Building $124,770
2024	$2,150.00 (+9.92%)
2023		$134,260 (+20.86%) Land $13,720 Building $120,540	$134,260 (+20.86%) Land $13,720 Building $120,540
2022	$1,956.00	$111,090 Land $13,720 Building $97,370
2021			$111,090 Land $13,720 Building $97,370

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.