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

Clay County property record for 820 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 821 sqft · built 1938
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$134,500 (Jul 2025)
Tax Bill	$1,904 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618226014`

Property Details

APN / Parcel Number

Primary APN	`963618226014`
Alternative APN	`64096361822601400`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	821 sqft Living Area
Basement Area	821 sqft
Unfinished Basement	821 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	820 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 155' 3 AUD PLAT 3
Legal Range	36W
Legal Township	96N
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

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	820 E 4TH ST, SPENCER, IA 51301-5147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2025	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 24, 2018	Deed of Trust, Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Deed Document Number	20251539
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 1, 2025
Property Address	820 E 4TH ST, SPENCER, IA 51301-5147
Document Number	02025/1539
Book / Page	2025 / 1539
Instrument Date	Jun 26, 2025
Instrument	2025 1539
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 E 4TH ST, SPENCER, IA 51301-5147

Mortgage

Document Number	0020251540
Date	Jul 1, 2025
Instrument	2025 1540

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	820 E 4TH ST, SPENCER, IA 51301-5147
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3670
Date	Nov 23, 2021
Book Page	2021/3670
Instrument	2021 3670

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2041

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	820 E 4TH ST, SPENCER, IA 51301-5147
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002804
Date	Oct 24, 2018
Book Page	0000002018/0000002804
Instrument	000000002804

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,904.00 (+15.67%) Homeowner's exemption	$124,270 (+9.98%) Land $19,600 Building $104,670	$124,270 (+9.98%) Land $19,600 Building $104,670
2024	$1,646.00 (+8.58%)
2023		$112,990 (+18.96%) Land $13,720 Building $99,270	$112,990 (+18.96%) Land $13,720 Building $99,270
2022	$1,516.00 Homeowner's exemption	$94,980 Land $13,720 Building $81,260
2021			$94,980 Land $13,720 Building $81,260

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Flooding, Straight-line Winds, And Tornadoes, Jun 2024 · 5 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures