902 W 4th St, Spencer, IA 51301 Property Records

Clay County property record for 902 W 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 660 sqft · built 1946
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Nov 2021 Sale Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963712458010`

Property Details

APN / Parcel Number

Primary APN	`963712458010`
Alternative APN	`64096371245801000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	660 sqft Living Area
Basement Area	660 sqft
Unfinished Basement	660 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,800 sqft (0.179 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	902 W 4TH ST
City	SPENCER
State	IA
Zip	51301-3105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E50' OF W825' OF SW SE BETWEEN S SEC LINE & S SIDE 4TH ST 12-96-37 L&I
Legal Range	37W
Legal Township	96N
Legal Section	12
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1009
Census Tract	80301

Owner

902 W 4th St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	902 W 4TH ST, SPENCER, IA 51301-3105
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2021	Warranty Deed, Transfer
Nov 30, 2021	Warranty Deed, Transfer · Conventional Mortgage IOWA STATE BANK
Oct 1, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 30, 2021
Property Address	902 W 4TH ST, SPENCER, IA 51301-3105
Document Number	02021/3736
Book / Page	2021 / 3736
Instrument Date	Nov 22, 2021
Instrument	2021 3736
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Tax	$157.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 W 4TH ST, SPENCER, IA 51301-3105

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 30, 2021
Property Address	902 W 4TH ST, SPENCER, IA 51301-3105
Document Number	02021/3737
Book / Page	2021 / 3737
Instrument Date	Nov 22, 2021
Instrument	2021 3737
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 W 4TH ST, SPENCER, IA 51301-3105

Mortgage

Document Number	02021/3738
Date	Nov 30, 2021
Book Page	2021/3738
Instrument	2021 3738

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 1, 2019
Property Address	902 W 4TH ST, SPENCER, IA 51301-3105
Document Number	02019/2589
Book / Page	2019 / 2589
Instrument Date	Sep 24, 2019
Instrument	2589
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 11TH AVE SW, SPENCER, IA 51301-5502

Tax Assessment & Valuation

The 2025 property tax bill for 902 W 4th St was $1,492 with a homeowner's exemption, down 11.3% from the year before.

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	$1,492.00 (-11.3%) Homeowner's exemption	$108,320 Land $20,600 Building $87,720	$108,320 Land $20,600 Building $87,720
2024	$1,682.00
2023		$107,450 (+24.9%) Land $16,480 Building $90,970	$107,450 Land $16,480 Building $90,970
2022	$1,486.00	$86,030 Land $16,480 Building $69,550
2021			$86,030 Land $16,480 Building $69,550

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

Flood

FEMA maps place 902 W 4th St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	2 of 4
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 · 4 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

Wildfire risk around 902 W 4th St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Iowa
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 301 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
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

Nearby Properties on W 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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