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

Clay County property record for 935 E 4th St, Spencer, IA 51301 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1940
Square Footage	1,287 sqft Living Area
Lot Size	10,050 sqft (0.231 acres)
Occupancy	Owner Occupied
Last Sale	$76,000 (2007)
Tax Bill	$1,398.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`963607482033`
Alternative APN	`64096360748203300`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,287 sqft Living Area
1st Floor	967 sqft 1st Floor
Basement Area	967 sqft Basement
Unfinished Basement	967 sqft Unfinished
Game Room	Game Room
Stories	1 Stories
Primary Flooring	Hardwood Flooring
Interior Structure	Plaster Interior Structure

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Vinyl Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Shingle Roof
Lot Area	10,050 sqft (0.231 acres)
Depth X Width	150 ft x 67 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	360 sqft Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Geo-Thermal Heating Fuel
Water Source	Commercial Water Source

Location & Zoning

Street Address	935 E 4TH ST
City	SPENCER
State	IA
Zip	51301-5150
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	E 12-1/2' 33 1 PALMERS ALL 34 1 PALMERS
Legal Range	36W
Legal Township	96N
Legal Section	7
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 963607482033

Assessment roll updated September 30, 2025 · Last verified August 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 File
Mailing Address	935 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 26, 2007 · Amount on Record
Deed Sale	Nov 26, 2007 · Amount on Record
Deed Doc Number	20073588
Deed Book / Page	2007 / 3588
Record Refreshed	Sep 20, 2026

November 2007: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 26, 2007
Property Address	935 E 4TH ST, SPENCER, IA 51301-5150
Document Number	02007/3588
Book / Page	2007 / 3588
Instrument Date	Nov 20, 2007
Instrument	2007 3588
Transaction Type	Foreclosure
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.80
Amount Accuracy	Rounded Values by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	935 E 4TH ST, SPENCER, IA 51301-5150
Investor	Possibly a Property Investor

Mortgage

Document Number	0020073589
Date	Nov 26, 2007
Instrument	2007 3589

Lender

Name	NORTHWEST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2037

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026

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	$1,398.00 Homeowner's exemption	$107,970 (+10.7%) Land $27,340 Building $80,630	$107,970 (+10.7%) Land $27,340 Building $80,630
2024	$1,398.00 (+7.87%)
2023		$97,530 (+18.28%) Land $19,140 Building $78,390	$97,530 (+18.28%) Land $19,140 Building $78,390
2022	$1,296.00 Homeowner's exemption	$82,460 Land $19,140 Building $63,320
2021			$82,460 Land $19,140 Building $63,320

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.