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

Clay County property record for 905 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1950
Square Footage	1,924 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$158,500 (2019)
Tax Bill	$3,450.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607482026`
Alternative APN	`64096360748202600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	1,924 sqft Living Area
1st Floor	732 sqft 1st Floor
Basement Area	732 sqft Basement
Finished Basement	400 sqft Finished
Game Room	Game Room
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1950
Architectural Style	Colonial Style
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Hip Roof Construction
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	288 sqft Garage
Patio Area	528 sqft Patio
Porch	Open Porch
Porch Area	28 sqft Porch

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Hot Water Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360748202600
Street Address	905 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5150
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	26 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 963607482026

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	905 E 4TH ST, SPENCER, IA 51301-5150
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	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Prior Sale	Jul 03, 2007 · Amount on Record
Deed Doc Number	2391
Deed Book / Page	2019 / 2391
Record Refreshed	Jun 08, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 12, 2019
Property Address	905 E 4TH ST, SPENCER, IA 51301-5150
Document Number	02019/2391
Book / Page	2019 / 2391
Instrument Date	Aug 29, 2019
Instrument	2391
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 E 4TH ST, SPENCER, IA 51301-5150
Investor	Possibly a Property Investor

Mortgage

Document Number	02019/2392
Date	Sep 12, 2019
Book Page	2019/2392
Instrument	2392

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

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		$229,950 (+6.71%) Land $20,400 Building $209,550	$229,950 (+6.71%) Land $20,400 Building $209,550
2024	$3,450.00 (+9.38%)
2023		$215,500 (+20.36%) Land $14,280 Building $201,220	$215,500 (+20.36%) Land $14,280 Building $201,220
2022	$3,154.00	$179,050 Land $14,280 Building $164,770
2021			$179,050 Land $14,280 Building $164,770

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.