103 E 9th St, Spencer, IA 51301 Property Records

Clay County property record for 103 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,224 sqft · built 1918
Lot Size	0.293 acres (12,780 sqft)
Owner	Individual Name on File
Last Sale	$232,500 (Jul 2019)
Tax Bill	$3,866 (2024)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607332007`

Property Details

APN / Parcel Number

Primary APN	`963607332007`
Alternative APN	`68296360733200700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	2,224 sqft Living Area
1st Floor Area	1,004 sqft
Basement Area	1,004 sqft
Finished Basement	370 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Block
Roof Type	Hip
Lot Area	12,780 sqft (0.293 acres)
Lot Dimensions	142 ft deep x 90 ft wide
Garage Type	Mixed
Garage Area	936 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	220 sqft
Deck Area	255 sqft
Patio Area	625 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68296360733200700
Street Address	103 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	7 10 1ST RY ADD. W 40' 8 10 1ST RY
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	RAILWAY 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3071
Census Tract	80200

Owner

Source: Clay County assessment roll, as of May 1, 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
Co-owner	Verified Secondary Owner
Mailing Address	103 E 9TH ST, SPENCER, IA 51301-4315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jul 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 25, 2019 · Amount on Record
Deed Sale	Jul 25, 2019 · Amount on Record
Prior Sale	Jul 18, 2005 · Amount on Record
Deed Document Number	1917
Deed Book / Page	2019 / 1917
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	103 E 9TH ST, SPENCER, IA 51301-4315
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/2041
Date	Jul 13, 2020
Book Page	2020/2041
Instrument	2020 2041

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 25, 2019
Property Address	103 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02019/1917
Book / Page	2019 / 1917
Instrument Date	Jul 23, 2019
Instrument	1917
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E 9TH ST, SPENCER, IA 51301-4315

Mortgage

Document Number	02019/1918
Date	Jul 25, 2019
Book Page	2019/1918
Instrument	1918

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$273,730 (+9.77%) Land $36,000 Building $237,730	$273,730 (+9.77%) Land $36,000 Building $237,730
2024	$3,866.00 (+7.27%)
2023		$249,360 (+16.82%) Land $25,200 Building $224,160	$249,360 (+16.82%) Land $25,200 Building $224,160
2022	$3,604.00 Homeowner's exemption	$213,460 Land $25,200 Building $188,260
2021			$213,460 Land $25,200 Building $188,260

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Communications Utility Fiber	1,000 / 1,000
Mediacom Communications Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: AMG Technology Investment Group, Verizon.

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