910 4th Ave W, Spencer, IA 51301 Property Records

Clay County property record for 910 4th Ave W, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1974
Lot Size	0.274 acres (11,928 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,616 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607304003`

Property Details

APN / Parcel Number

Primary APN	`963607304003`
Alternative APN	`64096360730400300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Basement Area	1,392 sqft
Finished Basement	696 sqft
Unfinished Basement	1,392 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,928 sqft (0.274 acres)
Lot Dimensions	142 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	64 sqft
Deck Area	297 sqft
Patio Area	190 sqft
Shed	1 Shed
Shed Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	910 4TH AVE W
City	SPENCER
State	IA
Zip	51301-3615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 2 2ND RY ADD N 34' 6 2 2ND RY
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	RAILWAY 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2035
Census Tract	80301

Owner

910 4th Ave W is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	910 4TH AVE W, SPENCER, IA 51301-3615
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 1, 2023
Property Address	910 4TH AVE W, SPENCER, IA 51301-3615
Document Number	02023/1951
Book / Page	2023 / 1951
Instrument Date	Aug 25, 2023
Instrument	2023 1951
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$383.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	910 4TH AVE W, SPENCER, IA 51301-3615

Mortgage

Document Number	0020231952
Date	Sep 1, 2023
Instrument	2023 1952

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 910 4th Ave W was $3,616 with a homeowner's exemption, up 3.8% 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	$3,616.00 (+3.79%) Homeowner's exemption	$247,070 Land $29,400 Building $217,670	$247,070 Land $29,400 Building $217,670
2024	$3,484.00
2023		$195,470 (+16.62%) Land $22,680 Building $172,790	$195,470 Land $22,680 Building $172,790
2022	$2,736.00 Homeowner's exemption	$167,610 Land $22,680 Building $144,930
2021			$167,610 Land $22,680 Building $144,930

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

Flood

FEMA maps place 910 4th Ave W in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 910 4th Ave W is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 91% 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 349 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: GigFire, Nextlink, Verizon.

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