Clay County property record for 809 E 4th St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1942 |
| Square Footage | 1,657 sqft Living Area |
| Lot Size | 7,500 sqft (0.172 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $84,000 (2024) |
| Tax Bill | $2,564.00 (2024) |
| Primary APN | 963607482020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 2 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,657 sqft Living Area |
| 1st Floor | 948 sqft 1st Floor |
| Attic Area | 427 sqft Attic |
| Basement Area | 1,230 sqft Basement |
| Game Room | Game Room |
| Stories | 1 Stories |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Plaster Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1942 |
|---|---|
| Architectural Style | Cape Cod Style |
| Exterior Material | Vinyl 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 | 1 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 312 sqft Garage |
| Patio Area | 63 sqft Patio |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Water Source | Commercial Water Source |
| Old Parcel Number | 64096360748202000 |
|---|---|
| Street Address | 809 E 4TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5148 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 20 1 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 | 2020 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607482020
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 | 809 E 4TH ST, SPENCER, IA 51301-5148 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 20, 2017 | Deed of Trust, Mortgage COMMUNITY STATE BANK |
| Apr 11, 2005 | Deed of Trust, Mortgage CITICORP TRUST BANK FSB |
| Sep 13, 2024 | Warranty Deed, Transfer · Commercial Mortgage DLP BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 13, 2024 · Amount on Record |
| Deed Sale | Sep 13, 2024 · Amount on Record |
| Prior Sale | Feb 04, 2005 · Amount on Record |
| Deed Doc Number | 2024 1865 |
| Deed Book / Page | 2024 / 1865 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 809 E 4TH ST, SPENCER, IA 51301-5148 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02017/1582 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 2017/1582 |
| Instrument | 1582 |
| Name | COMMUNITY STATE BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Amount | Amount Recorded |
|---|---|
| Term | 62 Months |
| Due | Aug 16, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 809 E 4TH ST, SPENCER, IA 51301-5148 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02005/1223 |
|---|---|
| Date | Apr 11, 2005 |
| Book Page | 2005/1223 |
| Instrument | 2005 1223 |
| Name | CITICORP TRUST BANK FSB |
|---|---|
| Type | Subprime Lender |
| Address | WILMINGTON, DE 19808 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 12, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 13, 2024 |
| Property Address | 809 E 4TH ST, SPENCER, IA 51301-5148 |
| Document Number | 02024/1865 |
| Book / Page | 2024 / 1865 |
| Instrument Date | Sep 12, 2024 |
| Instrument | 2024 1865 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $133.60 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 809 E 4TH ST, SPENCER, IA 51301-5148 |
| Document Number | 0020241882 |
|---|---|
| Date | Sep 13, 2024 |
| Instrument | 2024 1882 |
| Name | DLP BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Nov 09, 2029 |
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 | $182,510 (+7.14%) Land $20,400 Building $162,110 | $182,510 (+7.14%) Land $20,400 Building $162,110 | |
| 2024 | $2,564.00 (+10.71%) | ||
| 2023 | $170,350 (+21.37%) Land $14,280 Building $156,070 | $170,350 (+21.37%) Land $14,280 Building $156,070 | |
| 2022 | $2,316.00 Homeowner's exemption | $140,360 Land $14,280 Building $126,080 | |
| 2021 | $140,360 Land $14,280 Building $126,080 |
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 | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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