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

Clay County property record for 924 E 4th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,304 sqft · built 1900
Lot Size	0.156 acres (6,818 sqft)
Owner	Individual Name on Record
Last Sale	$47,000 (Jun 2022)
Tax Bill	$958 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963618226022`

Property Details

APN / Parcel Number

Primary APN	`963618226022`
Alternative APN	`64096361822602200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,304 sqft Living Area
1st Floor Area	500 sqft
Basement Area	804 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Architectural Style	Traditional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	6,818 sqft (0.156 acres)
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	236 sqft
Deck Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096361822602200
Street Address	924 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	4 JOLLIFFE'S SUB & N1/2 VAC ALLEY S
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	Individual Name on Record
Mailing Address	924 E 4TH ST, SPENCER, IA 51301-5149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 30, 2017	Warranty Deed, Transfer · ARM FARMERS TRUST & SAVINGS BANK
Mar 30, 2017	Warranty Deed, Transfer · ARM FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Mar 30, 2017 · Amount on Record
Deed Document Number	2022 1554
Deed Book / Page	2022 / 1554
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 13, 2022
Property Address	924 E 4TH ST, SPENCER, IA 51301-5149
Document Number	02022/1554
Book / Page	2022 / 1554
Instrument Date	Jun 1, 2022
Instrument	2022 1554
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$74.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	924 E 4TH ST, SPENCER, IA 51301-5149

Mortgage

Document Number	02022/1555
Date	Jun 13, 2022
Book Page	2022/1555
Instrument	2022 1555

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 30, 2017
Property Address	924 E 4TH ST, SPENCER, IA 51301-5149
Document Number	002017/764
Book / Page	2017 / 764
Instrument Date	Mar 21, 2017
Instrument	2017 764
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 9TH AVE E, SPENCER, IA 51301-4612

Mortgage

Document Number	002017/765
Date	Mar 30, 2017
Book Page	2017/765
Instrument	0765

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	9.5%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 30, 2017
Property Address	924 E 4TH ST, SPENCER, IA 51301-5149
Document Number	02017/0764
Book / Page	2017 / 0764
Instrument Date	Mar 21, 2017
Instrument	2017 0764
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 9TH AVE E, SPENCER, IA 51301-4612

Mortgage

Document Number	02017/0765
Date	Mar 30, 2017
Book Page	2017/0765
Instrument	2017 0765

Lender

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

Agreement

Type	ARM
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.5%
Index	1-Year CMT
Margin	3
Max Rate	9.5%

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		$71,680 (+13.4%) Land $20,000 Building $51,680	$71,680 (+13.4%) Land $20,000 Building $51,680
2024	$958.00 (-42.08%)
2023		$63,210 (-33.34%) Land $14,000 Building $49,210	$63,210 (-33.34%) Land $14,000 Building $49,210
2022	$1,654.00	$94,820 Land $14,000 Building $80,820
2021			$94,820 Land $14,000 Building $80,820

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