Clay County property record for 1304 9th Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1961 |
| Lot Size | 0.24 acres (10,437 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,898 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607278007 |
| Primary APN | 963607278007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,437 sqft (0.24 acres) |
| Lot Dimensions | 71 ft deep x 147 ft wide |
| Garage Type | Mixed |
| Garage Area | 960 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 190 sqft |
| Patio Area | 190 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 1304 9TH AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 3 SYLVAN ACRES |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 7 |
| Legal Subdivision | SYLVAN ACRES |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607278007
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Affidavit, Transfer |
| Feb 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Jul 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Sep 26, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Jul 21, 2026 |
| Transfer Doc | 0000001763 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 21, 2026 |
| Property Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Document Number | 0000001763 |
| Book / Page | 2026 / 1763 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261763 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/529 |
|---|---|
| Date | Feb 19, 2021 |
| Book Page | 2021/529 |
| Instrument | 2021 0529 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/2144 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 2020/2144 |
| Instrument | 2020 2144 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 15, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1304 9TH AVE E, SPENCER, IA 51301-4937 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017/2539 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 2017/2539 |
| Instrument | 2017 2539 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 34 Months |
| Due | Jul 15, 2020 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
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 | $1,898.00 Homeowner's exemption | $151,310 (+10.28%) Land $29,220 Building $122,090 | $151,310 (+10.28%) Land $29,220 Building $122,090 |
| 2024 | $1,898.00 (+2.59%) | ||
| 2023 | $137,210 (+17.03%) Land $22,540 Building $114,670 | $137,210 (+17.03%) Land $22,540 Building $114,670 | |
| 2022 | $1,850.00 Homeowner's exemption | $117,240 Land $22,540 Building $94,700 | |
| 2021 | $117,240 Land $22,540 Building $94,700 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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 · Fiber in parts of the area | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Based on FCC filings for 363 locations within half a mile of this property.
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 |
| 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.
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