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

Clay County property record for 104 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1920
Lot Size	0.293 acres (12,780 sqft)
Owner	2 Individual Names on File
Last Sale	$24,500 (Jul 1995)
Tax Bill	$2,914 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607336001`

Property Details

APN / Parcel Number

Primary APN	`963607336001`
Alternative APN	`68296360733600100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	840 sqft
Basement Area	630 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,780 sqft (0.293 acres)
Lot Dimensions	142 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	416 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	68296360733600100
Street Address	104 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CBD CENTRAL B
Legal Description	W 40' 5 11 1ST RY ALL 6 11 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	3072
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	2 Individual Names on File
Mailing Address	104 E 9TH ST, SPENCER, IA 51301-4314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Aug 21, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 1995 · Amount on Record
Deed Sale	Jul 31, 1995 · Amount on Record
Deed Document Number	0000Q3 259
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	104 E 9TH ST, SPENCER, IA 51301-4314
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2475
Date	Aug 2, 2021
Book Page	2021/2475
Instrument	2021 2475

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2031

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	104 E 9TH ST, SPENCER, IA 51301-4314
Transaction Type	Mortgage
Record Updated	Sep 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/2183
Date	Aug 21, 2019
Book Page	2019/2183
Instrument	2183

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2029

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		$220,000 (+6.82%) Land $36,000 Building $184,000	$220,000 (+6.82%) Land $36,000 Building $184,000
2024	$2,914.00 (+0.48%)
2023		$205,960 (+18.7%) Land $25,200 Building $180,760	$205,960 (+18.7%) Land $25,200 Building $180,760
2022	$2,900.00 Homeowner's exemption	$173,510 Land $25,200 Building $148,310
2021			$173,510 Land $25,200 Building $148,310

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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