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

Clay County property record for 17 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,768 sqft · built 1915
Lot Size	0.244 acres (10,650 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Jul 2026)
Tax Bill	$816 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607331008`

Property Details

APN / Parcel Number

Primary APN	`963607331008`
Alternative APN	`64096360733100800`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
1st Floor Area	884 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	150 ft deep x 71 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	364 sqft
Deck Area	104 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	17 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-1 GENERA
Legal Description	W 1/2 4-6 9 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	3070
Census Tract	80200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the North Grand Avenue Residential Historic District listed 2014 · 97 contributing resources · NRIS 14000212

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

17 E 9th St is owned and occupied by an individual who bought it in July 2026.

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

Owner of Record	Individual Name on File
Mailing Address	722 25TH ST SW, SPENCER, IA 51301-5509
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2026 · Amount on File
Deed Sale	Jul 9, 2026 · Amount on File
Deed Document Number	20261666
Deed Book / Page	2026 / 1666
Record Updated	Oct 29, 2026

July 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLAY IA
Recording Date	Jul 9, 2026
Property Address	17 E 9TH ST, SPENCER, IA 51301-4313
Document Number	0000001666
Book / Page	2026 / 1666
Instrument Date	Jul 7, 2026
Instrument	20261666
Transaction Type	Transfer
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$9,292.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	722 25TH ST SW, SPENCER, IA 51301-5509

Mortgage

Document Number	0000001667,
Date	Jul 9, 2026
Instrument	20261667

Lender

Name	NORTHWEST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 17 E 9th St was $816 with a homeowner's exemption, up 11.8% from the year before.

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	$816.00 (+11.78%) Homeowner's exemption	$73,170 Land $28,970 Building $44,200	$73,170 Land $28,970 Building $44,200
2024	$730.00
2023		$57,270 (+14.4%) Land $16,220 Building $41,050	$57,270 Land $16,220 Building $41,050
2022	$666.00 Homeowner's exemption	$50,060 Land $16,220 Building $33,840
2021			$50,060 Land $16,220 Building $33,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 17 E 9th St in Zone X, an area of minimal flood risk.

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

The area around 17 E 9th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 451 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: Nextlink, Verizon.

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