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

Clay County property record for 916 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,128 sqft · built 1940
Lot Size	0.131 acres (5,715 sqft)
Owner	Individual Name on Record
Last Sale	$73,500 (Sep 2018)
Tax Bill	$1,548 (2025)
Deeds & Mortgages	Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963618226020`

Property Details

APN / Parcel Number

Primary APN	`963618226020`
Alternative APN	`64096361822602000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	728 sqft
Attic	Attic
Attic Area	400 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,715 sqft (0.131 acres)
Lot Dimensions	127 ft deep x 45 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	916 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 JOLLIFFE'S SUBDIV
Legal Range	36W
Legal Township	96N
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 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	916 E 4TH ST, SPENCER, IA 51301-5149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2018 · Amount on Record
Deed Sale	Sep 27, 2018 · Amount on Record
Deed Document Number	20182528
Deed Book / Page	2018 / 2528
Record Updated	Oct 29, 2026

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 27, 2018
Property Address	916 E 4TH ST, SPENCER, IA 51301-5149
Document Number	2018/2528
Book / Page	2018 / 2528
Instrument Date	Sep 25, 2018
Instrument	000000002528
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 E 4TH ST, SPENCER, IA 51301-5149

Tax Assessment & Valuation

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	$1,548.00 (-1.78%) Homeowner's exemption	$111,950 (+7.82%) Land $17,460 Building $94,490	$111,950 (+7.82%) Land $17,460 Building $94,490
2024	$1,576.00 (+9.14%)
2023		$103,830 (+20.41%) Land $12,220 Building $91,610	$103,830 (+20.41%) Land $12,220 Building $91,610
2022	$1,444.00 Homeowner's exemption	$86,230 Land $12,220 Building $74,010
2021			$86,230 Land $12,220 Building $74,010

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