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

Clay County property record for 114 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,966 sqft · built 1920
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Jul 2021)
Tax Bill	$3,032 (2025)
Deeds & Mortgages	Jul 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607336003`

Property Details

APN / Parcel Number

Primary APN	`963607336003`
Alternative APN	`68296360733600300`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,966 sqft Living Area
1st Floor Area	968 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	244 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	114 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 1/2 2 11 1ST RY ALL 3 11 1ST RY
Legal Range	36W
Legal Township	96N
Legal Section	7
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 records · APN 963607336003

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	114 E 9TH ST, SPENCER, IA 51301-4314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 19, 2021 · Amount on Record
Deed Sale	Jul 19, 2021 · Amount on Record
Deed Document Number	20212281
Deed Book / Page	2021 / 2281
Record Updated	Sep 20, 2026

July 2021: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Jul 19, 2021
Property Address	114 E 9TH ST, SPENCER, IA 51301-4314
Document Number	2021/2281
Book / Page	2021 / 2281
Instrument Date	Jun 05, 2021
Instrument	2021 2281
Transaction Type	Foreclosure
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$233.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E 9TH ST, SPENCER, IA 51301-4314

Mortgage

Document Number	02021/2282
Date	Jul 19, 2021
Book Page	2021/2282
Instrument	2021 2282

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate

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	$3,032.00 Homeowner's exemption	$209,910 (+5.15%) Land $30,000 Building $179,910	$209,910 (+5.15%) Land $30,000 Building $179,910
2024	$3,032.00 (+2.36%)
2023		$199,620 (+18.72%) Land $21,000 Building $178,620	$199,620 (+18.72%) Land $21,000 Building $178,620
2022	$2,962.00	$168,140 Land $21,000 Building $147,140
2021			$168,140 Land $21,000 Building $147,140

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA2171071, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.