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

Clay County property record for 121 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,792 sqft · built 1920
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Sep 2021)
Tax Bill	$3,044 (2025)
Deeds & Mortgages	Dec 2006 Mortgage Sep 2010 Mortgage + 9 more
Flood Zone	Zone X (minimal risk)
APN	`963607332011`

Property Details

APN / Parcel Number

Primary APN	`963607332011`
Alternative APN	`68296360733201100`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Living Area
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Vinyl
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	280 sqft
Deck Area	336 sqft
Patio Area	594 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	121 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 10 1ST RY ADD
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	3071
Census Tract	80200

Owner

Source: Clay County records · APN 963607332011

Assessment roll updated September 30, 2025 · Last verified June 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	121 E 9TH ST, SPENCER, IA 51301-4315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2006	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Sep 03, 2010	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 31, 2012	Deed of Trust, Mortgage US BANK NA
Jun 17, 2010	Deed of Trust, Mortgage US BANK NA
Apr 27, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Sep 08, 2023	Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
Sep 21, 2021	Warranty Deed, Transfer
Sep 15, 2021	Warranty Deed, Transfer
Sep 04, 2014	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST AND SAVINGS BANK
Nov 30, 2007	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 20, 2005	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	Sep 15, 2021 · Amount on Record
Deed Document Number	20212965
Deed Book / Page	2021 / 2965
Last Transfer Date	Apr 20, 2026
Transfer Doc	002026/982
Record Updated	Sep 20, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02006/3861
Date	Dec 18, 2006
Book Page	2006/3861
Instrument	2006 3861

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Amount	Amount Recorded

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/2396
Date	Sep 03, 2010
Book Page	2010/2396
Instrument	2010 2396

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2040

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02012/3383
Date	Oct 31, 2012
Book Page	2012/3383
Instrument	2012 3383

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54903

Agreement

Amount	Amount Recorded

June 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/1505
Date	Jun 17, 2010
Book Page	2010/1505
Instrument	2010 1505

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54903

Agreement

Amount	Amount Recorded

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Apr 27, 2026
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	002026/982
Book / Page	2026 / 982
Instrument Date	Apr 20, 2026
Instrument	2026982
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E 9TH ST, SPENCER, IA 51301-4315

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 08, 2023
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02023/2032
Book / Page	2023 / 2032
Instrument Date	Aug 23, 2023
Instrument	2023 2032
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$375.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 E 9TH ST, SPENCER, IA 51301-4315

Mortgage

Document Number	0020232033
Date	Sep 08, 2023
Instrument	2023 2033

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 21, 2021
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02021/2965
Book / Page	2021 / 2965
Instrument Date	Sep 02, 2021
Instrument	2021 2965
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Tax	$233.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E 9TH ST, SPENCER, IA 51301-4315

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 15, 2021
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02021/2916
Book / Page	2021 / 2916
Instrument Date	Sep 02, 2021
Instrument	2021 2916
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Tax	$233.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 E 9TH ST, SPENCER, IA 51301-4315
Investor	Possibly a Property Investor

September 2014: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 04, 2014
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02014/2267
Book / Page	2014 / 2267
Instrument Date	Aug 31, 2014
Instrument	2014 2267
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$211.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 E 9TH ST, SPENCER, IA 51301-4315
Investor	Possibly a Property Investor

Mortgage

Document Number	0020142268
Date	Sep 04, 2014
Instrument	2014 2268

Lender

Name	FARMERS TRUST AND SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2044

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Nov 30, 2007
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02007/3640
Book / Page	2007 / 3640
Instrument Date	Nov 23, 2007
Instrument	2007 3640
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 3RD AVE SE, SPENCER, IA 51301-5423

Mortgage

Document Number	0020073641
Date	Nov 30, 2007
Instrument	2007 3641

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2037

January 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jan 20, 2005
Property Address	121 E 9TH ST, SPENCER, IA 51301-4315
Document Number	02005/0273
Book / Page	2005 / 0273
Instrument Date	Jan 15, 2005
Instrument	2005 0273
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$187.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	00000

Mortgage

Document Number	0020050274
Date	Jan 20, 2005
Instrument	2005 0274

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2035

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified June 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	$3,044.00	$203,880 (+22.08%) Land $20,000 Building $183,880	$203,880 (+22.08%) Land $20,000 Building $183,880
2024	$3,044.00 (+22.05%)
2023		$167,000 (+17.97%) Land $14,000 Building $153,000	$167,000 (+17.97%) Land $14,000 Building $153,000
2022	$2,494.00 Homeowner's exemption	$141,560 Land $14,000 Building $127,560
2021			$141,560 Land $14,000 Building $127,560

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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.