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

Clay County property record for 824 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,607 sqft · built 1948
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jul 2021)
Tax Bill	$3,054 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618226015`

Property Details

APN / Parcel Number

Primary APN	`963618226015`
Alternative APN	`64096361822601500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,607 sqft Living Area
1st Floor Area	576 sqft
Basement Area	576 sqft
Finished Basement	288 sqft
Unfinished Basement	288 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
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	240 sqft
Parking Spaces	1 Parking Space
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	824 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 105 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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	824 E 4TH ST, SPENCER, IA 51301-5147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 28, 2021	Warranty Deed, Transfer · FHA Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	May 2, 2007 · Amount on Record
Deed Document Number	20212403
Deed Book / Page	2021 / 2403
Prior Transfer Date	Apr 26, 2007
Prior Transfer Doc	2007/1320
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	824 E 4TH ST, SPENCER, IA 51301-5147
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/3273
Date	Dec 14, 2017
Book Page	2017/3273
Instrument	2017 3273

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	824 E 4TH ST, SPENCER, IA 51301-5147
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1462
Date	May 12, 2021
Book Page	2021/1462
Instrument	2021 1462

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 10, 2021

Interest

Rate Type	Fixed Rate

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 28, 2021
Property Address	824 E 4TH ST, SPENCER, IA 51301-5147
Document Number	2021/2403
Book / Page	2021 / 2403
Instrument Date	Jul 11, 2021
Instrument	2021 2403
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 E 4TH ST, SPENCER, IA 51301-5147

Mortgage

Document Number	2021/2404
Date	Jul 28, 2021
Book Page	2021/2404
Instrument	2021 2404

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

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	$3,054.00 (+1.06%)	$199,480 (+5.68%) Land $19,600 Building $179,880	$199,480 (+5.68%) Land $19,600 Building $179,880
2024	$3,022.00 (+10.61%)
2023		$188,750 (+21.68%) Land $13,720 Building $175,030	$188,750 (+21.68%) Land $13,720 Building $175,030
2022	$2,732.00	$155,120 Land $13,720 Building $141,400
2021			$155,120 Land $13,720 Building $141,400

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 Record 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.

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