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

Clay County property record for 831 E 4th St, Spencer, IA 51301 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1950
Square Footage	1,349 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Garage	Mixed, 240 sqft
Occupancy	Owner Occupied
Tax Bill	$2,714.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`963607482025`
Alternative APN	`64096360748202500`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	7 Rooms
Building Area	1,349 sqft Living Area
1st Floor	896 sqft 1st Floor
Attic Area	403 sqft Attic
Attic	1 Attic
Basement Area	946 sqft Basement
Finished Basement	896 sqft Finished
Unfinished Basement	50 sqft Unfinished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod Style
Exterior Material	Stone Exterior
Construction Type	Frame Construction
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	Mixed Garage
Garage Area	240 sqft Garage
Patio Area	216 sqft Patio

Utilities and HVAC

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

Location & Zoning

Street Address	831 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5148
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	25 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 963607482025

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	831 E 4TH ST, SPENCER, IA 51301-5148
Occupancy	Owner Occupied
Owner Type	Owner is a Company
Vesting	Owner is a Trust, Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jan 06, 2021
Transfer Doc	2021/46
Record Refreshed	Jun 08, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 07, 2021
Property Address	831 E 4TH ST, SPENCER, IA 51301-5148
Document Number	2021/46
Book / Page	2021 / 46
Instrument Date	Jan 06, 2021
Instrument	2021 0046
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	831 E 4TH ST, 831, SPENCER, IA 51301-5148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	831 E 4TH ST, SPENCER, IA 51301-5148

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 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	$2,714.00 (-0.37%) Homeowner's exemption	$154,760 (+8.81%) Land $20,400 Building $134,360	$154,760 (+8.81%) Land $20,400 Building $134,360
2024	$2,724.00 (-7.85%)
2023		$142,230 (+19.43%) Land $14,280 Building $127,950	$142,230 (+19.43%) Land $14,280 Building $127,950
2022	$2,956.00 Homeowner's exemption	$119,090 Land $14,280 Building $104,810
2021			$119,090 Land $14,280 Building $104,810

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.