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

Clay County property record for 817 E 4th St, Spencer, IA 51301 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1942
Square Footage	1,194 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$85,000 (2020)
Tax Bill	$1,548.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`963607482022`
Alternative APN	`64096360748202200`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,194 sqft Living Area
1st Floor	770 sqft 1st Floor
Attic Area	424 sqft Attic
Attic	1 Attic
Basement Area	770 sqft Basement
Finished Basement	525 sqft Finished
Unfinished Basement	770 sqft Unfinished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Composition 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	Attached Garage
Garage Area	288 sqft Garage

Utilities and HVAC

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

Location & Zoning

Street Address	817 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5148
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	22 1 PALMER
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	PALMER'S SUBURBAN LOTS
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2020
Census Tract	80200

Owner

Source: Clay County records · APN 963607482022

Assessment roll updated September 30, 2025 · Last verified May 2026

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
Mailing Address	817 E 4TH ST, SPENCER, IA 51301-5148
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	May 04, 2020 · Amount on Record
Deed Sale	May 04, 2020 · Amount on Record
Prior Sale	Nov 22, 2016 · Amount on Record
Deed Doc Number	20201129
Deed Book / Page	2020 / 1129
Record Refreshed	Jun 08, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 04, 2020
Property Address	817 E 4TH ST, SPENCER, IA 51301-5148
Document Number	02020/1129
Book / Page	2020 / 1129
Instrument Date	Apr 29, 2020
Instrument	2020 1129
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$135.20
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 E 4TH ST, SPENCER, IA 51301-5148

Mortgage

Document Number	02020/1130
Date	May 04, 2020
Book Page	2020/1130
Instrument	2020 1130

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified May 2026

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	$1,548.00 Homeowner's exemption	$115,920 (+8.48%) Land $20,400 Building $95,520	$115,920 (+8.48%) Land $20,400 Building $95,520
2024	$1,548.00 (+9.63%)
2023		$106,860 (+19.97%) Land $14,280 Building $92,580	$106,860 (+19.97%) Land $14,280 Building $92,580
2022	$1,412.00 Homeowner's exemption	$89,070 Land $14,280 Building $74,790
2021			$89,070 Land $14,280 Building $74,790

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	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.