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

Clay County property record for 915 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	3 Baths
Year Built	Built 1938
Square Footage	899 sqft Living Area
Lot Size	7,500 sqft (0.172 acres)
Occupancy	Owner Occupied
Last Sale	$84,500 (2017)
Tax Bill	$1,668.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963607482029`
Alternative APN	`64096360748202900`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	6 Rooms
Building Area	899 sqft Living Area
1st Floor	720 sqft 1st Floor
Basement Area	720 sqft Basement
Finished Basement	450 sqft Finished
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1938
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Gable Roof Construction
Lot Area	7,500 sqft (0.172 acres)
Depth X Width	150 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	516 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air Heating
Water Source	Commercial Water Source

Location & Zoning

Old Parcel Number	64096360748202900
Street Address	915 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5150
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	29 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 963607482029

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
Mailing Address	915 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	Verified Name on Deed
Last Sale	Nov 30, 2017 · Amount on Record
Deed Sale	Nov 30, 2017 · Amount on Record
Prior Sale	Sep 02, 2005 · Amount on Record
Deed Doc Number	2017 3114
Deed Book / Page	2017 / 3114
Record Refreshed	Jun 08, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 30, 2017
Property Address	915 E 4TH ST, SPENCER, IA 51301-5150
Document Number	2017/3114
Book / Page	2017 / 3114
Instrument Date	Nov 22, 2017
Instrument	2017 3114
Transaction Type	Transfer
Record Updated	Oct 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1362, SPENCER, IA 51301-1362

Mortgage

Document Number	2017/3115
Date	Nov 30, 2017
Book Page	2017/3115
Instrument	3115

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

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		$128,650 (+9.62%) Land $20,400 Building $108,250	$128,650 (+9.62%) Land $20,400 Building $108,250
2024	$1,668.00 (+3.22%)
2023		$117,360 (+18.86%) Land $14,280 Building $103,080	$117,360 (+18.86%) Land $14,280 Building $103,080
2022	$1,616.00 Homeowner's exemption	$98,740 Land $14,280 Building $84,460
2021			$98,740 Land $14,280 Building $84,460

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

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.