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

Clay County property record for 920 E 4th St, Spencer, IA 51301 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2 Baths
Year Built	Built 1940
Square Footage	1,224 sqft Living Area
Lot Size	6,075 sqft (0.139 acres)
Occupancy	Owner Occupied
Last Sale	$86,000 (2017)
Tax Bill	$2,130.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`963618226021`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,224 sqft Living Area
1st Floor	694 sqft 1st Floor
Basement Area	694 sqft Basement
Game Room	Game Room
Stories	1 Stories
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1940
Architectural Style	Cape Cod Style
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Construction	Gable Roof Construction
Lot Area	6,075 sqft (0.139 acres)
Depth X Width	135 ft x 45 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage
Garage Area	576 sqft Garage
Porch	Enclosed Porch
Porch Area	46 sqft Porch

Utilities and HVAC

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

Location & Zoning

Street Address	920 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5149
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	5 JOLLIFFE'S SUB & N1/2 VAC ALLEY ON S
Legal Subdivision	JOLIFFE'S SUBDIVISION
Jurisdiction	CLAY IA
Minor Civil Division	SPENCER
Census Blockgroup	2
Census Block	2021
Census Tract	80200

Owner

Source: Clay County records · APN 963618226021

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	920 E 4TH ST, SPENCER, IA 51301-5149
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	Jun 06, 2017 · Amount on Record
Deed Sale	Jun 06, 2017 · Amount on Record
Prior Sale	Oct 05, 2011 · Amount on Record
Deed Doc Number	2017 1451
Deed Book / Page	2017 / 1451
Record Refreshed	Jun 08, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 06, 2017
Property Address	920 E 4TH ST, SPENCER, IA 51301-5149
Document Number	02017/1451
Book / Page	2017 / 1451
Instrument Date	May 30, 2017
Instrument	2017 1451
Transaction Type	Transfer
Record Updated	Aug 09, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$136.80
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	920 E 4TH ST, SPENCER, IA 51301-5149

Mortgage

Document Number	02017/1452
Date	Jun 06, 2017
Book Page	2017/1452
Instrument	1452

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 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		$152,880 (+6.72%) Land $17,820 Building $135,060	$152,880 (+6.72%) Land $17,820 Building $135,060
2024	$2,130.00 (+10.48%)
2023		$143,250 (+21.1%) Land $12,470 Building $130,780	$143,250 (+21.1%) Land $12,470 Building $130,780
2022	$1,928.00 Homeowner's exemption	$118,290 Land $12,470 Building $105,820
2021			$118,290 Land $12,470 Building $105,820

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.