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

Clay County property record for 821 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 1939
Square Footage	1,252 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$78,500 (2000)
Tax Bill	$2,160.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607482023`
Alternative APN	`64096360748202300`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	1,252 sqft Living Area
1st Floor	802 sqft 1st Floor
Basement Area	802 sqft Basement
Finished Basement	375 sqft Finished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1939
Architectural Style	Cape Cod Style
Exterior Material	Aluminum/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	Attached Garage
Garage Area	220 sqft Garage
Deck Area	100 sqft Deck
Patio Area	100 sqft Patio

Utilities and HVAC

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

Location & Zoning

Old Parcel Number	64096360748202300
Street Address	821 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5148
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	23 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

Owner

Source: Clay County records · APN 963607482023

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	2 Individual Names on File
Mailing Address	821 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	2 Verified Names on Deed
Last Sale	Aug 05, 2000 · Amount on Record
Deed Sale	Aug 05, 2000 · Amount on Record
Deed Doc Number	0020002292
Record Refreshed	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	821 E 4TH ST, SPENCER, IA 51301-5148
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/1275
Date	May 17, 2022
Book Page	2022/1275
Instrument	2022 1275

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

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		$158,430 (+7.45%) Land $20,400 Building $138,030	$158,430 (+7.45%) Land $20,400 Building $138,030
2024	$2,160.00 (-1.23%)
2023		$147,440 (+20.7%) Land $14,280 Building $133,160	$147,440 (+20.7%) Land $14,280 Building $133,160
2022	$2,187.00 Homeowner's exemption	$122,150 Land $14,280 Building $107,870
2021			$122,150 Land $14,280 Building $107,870

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.