Clay County property record for 816 E 4th St, Spencer, IA 51301 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,204 sqft · built 1941 |
| Lot Size | 0.151 acres (6,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (Nov 2020) |
| Tax Bill | $1,866 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963618226013 |
| Primary APN | 963618226013 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,204 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 572 sqft |
| Finished Basement | 400 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1941 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Construction Type | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 6,600 sqft (0.151 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 104 sqft |
| Patio Area | 104 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096361822601300 |
|---|---|
| Street Address | 816 E 4TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-5147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | N 1/2 W 50' OF E 205 3 AUD PLAT 3 |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 18 |
| Legal Subdivision | AUDITOR'S PLAT 3 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 80200 |
Source: Clay County records · APN 963618226013
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 | 816 E 4TH ST, SPENCER, IA 51301-5147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Nov 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2020 · Amount on Record |
| Deed Sale | Nov 24, 2020 · Amount on Record |
| Prior Sale | Nov 24, 2020 · Amount on Record |
| Deed Document Number | 2020 3715 |
| Deed Book / Page | 2020 / 3715 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 24, 2020 |
| Property Address | 816 E 4TH ST, SPENCER, IA 51301-5147 |
| Document Number | 2020/3716 |
| Book / Page | 2020 / 3716 |
| Instrument Date | Nov 04, 2020 |
| Instrument | 2020 3716 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 816 E 4TH ST, SPENCER, IA 51301-5147 |
| Document Number | 2020/3717 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 2020/3717 |
| Instrument | 2020 3717 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 24, 2020 |
| Property Address | 816 E 4TH ST, SPENCER, IA 51301-5147 |
| Document Number | 02020/3715 |
| Book / Page | 2020 / 3715 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 2020 3715 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 816 E 4TH ST, SPENCER, IA 51301-5147 |
| Document Number | 02020/3717 |
|---|---|
| Date | Nov 24, 2020 |
| Book Page | 2020/3717 |
| Instrument | 2020 3717 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2050 |
| Rate Type | Fixed Rate |
|---|
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 | $138,810 (+9.5%) Land $19,600 Building $119,210 | $138,810 (+9.5%) Land $19,600 Building $119,210 | |
| 2024 | $1,866.00 (+8.36%) | ||
| 2023 | $126,770 (+18.83%) Land $13,720 Building $113,050 | $126,770 (+18.83%) Land $13,720 Building $113,050 | |
| 2022 | $1,722.00 Homeowner's exemption | $106,680 Land $13,720 Building $92,960 | |
| 2021 | $106,680 Land $13,720 Building $92,960 |
Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 190410802002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 11 individual NFIP policies nearby |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 6 (2004–2024) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Jun 2024, rainfall accumulation, Severe Storms, Flooding, Straight-line Winds, And Tornadoes |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spencer Municipal Communications Utility | Fiber | 1,000 / 1,000 |
| Mediacom Communications | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: AMG Technology Investment Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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