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

Clay County property record for 914 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,734 sqft · built 1940
Lot Size	0.16 acres (6,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$57,500 (Nov 1993)
Tax Bill	$1,968 (2024)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963618226019`

Property Details

APN / Parcel Number

Primary APN	`963618226019`
Alternative APN	`64096361822601900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,734 sqft Living Area
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,985 sqft (0.16 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	80 sqft
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096361822601900
Street Address	914 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	6.3' X 160' X 0' AUD PLAT 3 & 7 JOLLIFFE SUBDIV.
Legal Range	36
Legal Township	17
Legal Section	18
Legal Subdivision	JOLIFFE'S SUBDIVISION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	914 E 4TH ST, SPENCER, IA 51301-5149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2018	Deed of Trust, Mortgage · USDA Mortgage USDA
Sep 27, 2018	Deed of Trust, Mortgage · USDA Mortgage USDA
Jul 31, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Dec 13, 2017	Deed of Trust, Mortgage · ARM NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 1993 · Amount on Record
Deed Sale	Nov 29, 1993 · Amount on Record
Deed Document Number	0000N3 459
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	914 E 4TH ST, SPENCER, IA 51301-5149
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000002547
Date	Sep 28, 2018
Book Page	0000002018/0000002547
Instrument	000000002547

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	388 Months
Due	Jan 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	914 E 4TH ST, SPENCER, IA 51301-5149
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002018/0000002529
Date	Sep 27, 2018
Book Page	0000002018/0000002529
Instrument	000000002529

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	388 Months
Due	Jan 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	914 E 4TH ST, SPENCER, IA 51301-5149
Transaction Type	Mortgage
Record Updated	Aug 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002061
Date	Jul 31, 2018
Book Page	0000002018/0000002061
Instrument	000000002061

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	174 Months
Due	Jan 1, 2033

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	914 E 4TH ST, SPENCER, IA 51301-5149
Transaction Type	Mortgage
Record Updated	Dec 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 3242
Date	Dec 13, 2017
Book Page	2017/3242
Instrument	2017 3242

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2019
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$142,540 (+7.07%) Land $20,820 Building $121,720	$142,540 (+7.07%) Land $20,820 Building $121,720
2024	$1,968.00 (+9.82%)
2023		$133,130 (+20.43%) Land $14,580 Building $118,550	$133,130 (+20.43%) Land $14,580 Building $118,550
2022	$1,792.00 Homeowner's exemption	$110,550 Land $14,580 Building $95,970
2021			$110,550 Land $14,580 Building $95,970

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	1 of 6
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 · 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 Risk	Low lower than 98% of the US · lower than 82% 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 371 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on E 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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