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Single Family ResidenceResidential
$158,925$79 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 84How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

427 W 4TH ST

SPENCER, IA 51301
4
Beds
2 / 2
Baths
2,014 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1904
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
11
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$159K
$133K low$185K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,022 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$208,210 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,960
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$171,250
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$189,190
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$208,210

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
21
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
40
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.4 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyCLAY
Lot (acres)The size of the land the home sits on, from county records.0.53
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 555 ft²Porch · 276 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Spencer High SchoolB+
High · Grades 9–12 · 0.9 mi
E
Fairview Park Elementary School
Elementary · Grades 1–2 · 1.1 mi
M
Spencer Middle SchoolA
Middle · Grades 7–8 · 1.4 mi

District: Spencer Community School District

Neighborhood · ZIP 51301These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.103
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.15

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.20%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.11%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.12,636
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.80 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,520
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,070
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

427 W 4th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Costs less per square foot than 88% of homes in Spencer 51301
  • Bigger than 84% of homes in Spencer 51301
  • Has a bigger lot than 81% of homes in Spencer 51301
  • Older than 90% of homes in Spencer 51301

What homes are worth in Spencer 51301

Each bar is how many homes fall in that price range. The marker is this home.

This home
$53K$527K

This home is worth more than 45% of homes in Spencer 51301.

How it measures up in Spencer 51301

The dot is this home. The mark in the middle is the typical home in Spencer 51301.

Estimated value$158,925
CheaperTypical $170,652Pricier

Pricier than 45% of homes nearby

Price per ft²$79
CheaperTypical $134Pricier

Pricier than 12% of homes nearby

Living area2,014 ft²
SmallerTypical 1,358 ft²Bigger

Bigger than 84% of homes nearby

Lot size0.53 ac
SmallerTypical 0.23 acBigger

Bigger than 81% of homes nearby

Year built1904
OlderTypical 1958Newer

Newer than 10% of homes nearby

How 427 W 4th St ranks against every home in each area.
MeasureThis homeSpencer 51301Clay County
Estimated valuepricier than$158,92545% of homes51% of homes
Price per ft²pricier than$7912% of homes22% of homes
Living areabigger than2,014 ft²84% of homes84% of homes
Lot sizebigger than0.53 ac81% of homes71% of homes
Year builtnewer than190410% of homes16% of homes

About 427 W 4th St

How much is 427 W 4th St, Spencer, IA worth?

The TopHap Estimate for 427 W 4th St, Spencer, IA is $158,925 as of Sep 24, 2026. The likely range is $133,226 to $184,624. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 427 W 4th St, Spencer, IA last sell?

427 W 4th St, Spencer, IA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 427 W 4th St, Spencer, IA?

427 W 4th St, Spencer, IA has 4 bedrooms, 2 bathrooms, 2,014 square feet of living space and a 0.53-acre lot.

When was 427 W 4th St, Spencer, IA built?

427 W 4th St, Spencer, IA was built in 1904, making it 122 years old. The building has 2 stories.

What schools serve 427 W 4th St, Spencer, IA?

427 W 4th St, Spencer, IA is assigned to Spencer High School (high), rated B+; Fairview Park Elementary School (elementary); Spencer Middle School (middle), rated A. All sit in Spencer Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 427 W 4th St, Spencer, IA compare to other homes in Spencer 51301?

Among the 5,011 homes in Spencer 51301, it is worth more than 45% of them ($158,925 against a typical $170,652), its price per square foot is higher than 12% of them ($79 against a typical $134), it is bigger than 84% of them (2,014 ft² against a typical 1,358 ft²), its lot is bigger than 81% of them (0.53 ac against a typical 0.23 ac) and it is newer than 10% of them (1904 against a typical 1958). Measured against all of Clay County, it is worth more than 51% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 427 W 4th St, Spencer, IA?

The 2025 property tax bill for 427 W 4th St, Spencer, IA was $3,022. The county assessed it at $208,210.

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