1119 9th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1119 9th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,168 sqft · built 1957
Lot Size	0.272 acres (11,840 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607281008`

Property Details

APN / Parcel Number

Primary APN	`963607281008`
Alternative APN	`64096360728100800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,168 sqft Living Area
1st Floor Area	816 sqft
Basement Area	816 sqft
Finished Basement	700 sqft
Unfinished Basement	816 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,840 sqft (0.272 acres)
Lot Dimensions	80 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	1119 9TH AVE E
City	SPENCER
State	IA
Zip	51301-4934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 2 MORRIS MEADOWS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	MORRIS MEADOWS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3039
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

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 Record
Mailing Address	1119 9TH AVE E, SPENCER, IA 51301-4934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 26, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1119 9TH AVE E, SPENCER, IA 51301-4934
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/2458
Date	Aug 17, 2020
Book Page	2020/2458
Instrument	2020 2458

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1119 9TH AVE E, SPENCER, IA 51301-4934
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 3387
Date	Dec 26, 2017
Book Page	2017/3387
Instrument	2017 3387

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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	$3,332.00 (+4.19%) Homeowner's exemption	$228,510 (+8.8%) Land $29,530 Building $198,980	$228,510 (+8.8%) Land $29,530 Building $198,980
2024	$3,198.00 (+7.89%)
2023		$210,030 (+18.58%) Land $22,780 Building $187,250	$210,030 (+18.58%) Land $22,780 Building $187,250
2022	$2,964.00 Homeowner's exemption	$177,120 Land $22,780 Building $154,340
2021			$177,120 Land $22,780 Building $154,340

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	Low lower than 97% of the US · lower than 76% 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 231 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
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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