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

Clay County property record for 904 E 4th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,110 sqft · built 1962
Lot Size0.175 acres (7,628 sqft)
OwnerIndividual Name on Record
Last Sale$108,084 (Sep 2025)
Tax Bill$2,614 (2025)
Deeds & MortgagesMay 2026 Sale
Flood ZoneZone X (minimal risk)
APN963618226017

Property Details

APN / Parcel Number

Primary APN963618226017
Alternative APN
  • 64096361822601700

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area2,110 sqft Living Area
1st Floor Area576 sqft
Basement Area576 sqft
Finished Basement576 sqft
Unfinished Basement576 sqft
FlooringCarpet
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1962
Effective Year BuiltEffective 1962
Architectural StyleRanch
Exterior MaterialWood
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area7,628 sqft (0.175 acres)
Garage TypeAttached
Garage Area540 sqft
Parking Spaces2 Parking Spaces
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address904 E 4TH ST
CitySPENCER
StateIA
Zip51301-5149
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionN 1/2 EXC N 127' OF E 81.6' ON N & 65.55' ON S 2 AUD PLAT 3
Legal Range36W
Legal Township96N
Legal Section18
Legal SubdivisionAUDITOR'S PLAT 3
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group2
Census Block2021
Census Tract80200

Owner

Source: Clay County records, as of July 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address904 E 4TH ST, SPENCER, IA 51301-5149
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 23, 2025 · Amount on Record
Deed SaleSep 23, 2025 · Amount on Record
Prior SaleDec 23, 2005 · Amount on Record
Deed Document Number20252248
Deed Book / Page2025 / 2248
Record UpdatedSep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionCLAY IA
Recording DateMay 14, 2026
Property Address904 E 4TH ST, SPENCER, IA 51301-5149
Document Number0000001167
Book / Page2026 / 1167
Instrument DateMay 5, 2026
Instrument20261167
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address904 E 4TH ST, SPENCER, IA 51301-5149

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,614.00 Homeowner's exemption$195,480 (+7.41%) Land $22,440 Building $173,040$195,480 (+7.41%) Land $22,440 Building $173,040
2024$2,614.00 (+5.83%)
2023$182,000 (+19.39%) Land $15,710 Building $166,290$182,000 (+19.39%) Land $15,710 Building $166,290
2022$2,470.00 Homeowner's exemption$152,440 Land $15,710 Building $136,730
2021$152,440 Land $15,710 Building $136,730

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims6 (2004–2024)
Claims Outside the SFHA1 of 6
Most Recent ClaimJun 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 RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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