1704 9th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1704 9th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1972
Lot Size	0.175 acres (7,613 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Apr 2018)
Tax Bill	$3,730 (2025)
Deeds & Mortgages	Mar 2017 Line of Credit Apr 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607231003`

Property Details

APN / Parcel Number

Primary APN	`963607231003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,040 sqft Living Area
Basement Area	1,040 sqft
Finished Basement	450 sqft
Unfinished Basement	1,040 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Split Foyer
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,613 sqft (0.175 acres)
Pool Area	544 sqft
Deck Area	300 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1704 9TH AVE E
City	SPENCER
State	IA
Zip	51301-4612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 ELMWOOD COURT
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELMWOOD COURT
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
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	1704 9TH AVE E, SPENCER, IA 51301-4612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 19, 2018	Deed of Trust, Mortgage · FHA Mortgage NORTHWEST BANK
Mar 31, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 19, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on Record
Deed Sale	Apr 19, 2018 · Amount on Record
Prior Sale	Aug 14, 2009 · Amount on Record
Deed Document Number	2018956
Deed Book / Page	2018 / 956
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1704 9TH AVE E, SPENCER, IA 51301-4612
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/782
Date	Mar 31, 2017
Book Page	2017/782
Instrument	0782

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1704 9TH AVE E, SPENCER, IA 51301-4612
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000957
Date	Apr 19, 2018
Book Page	0000002018/0000000957
Instrument	000000000957

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1704 9TH AVE E, SPENCER, IA 51301-4612
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/0782
Date	Mar 31, 2017
Book Page	2017/0782
Instrument	2017 0782

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1704 9TH AVE E, SPENCER, IA 51301-4612
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/1197
Date	Apr 19, 2021
Book Page	2021/1197
Instrument	2021 1197

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 19, 2018
Property Address	1704 9TH AVE E, SPENCER, IA 51301-4612
Document Number	2018/956
Book / Page	2018 / 956
Instrument Date	Apr 11, 2018
Instrument	000000000956
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1704 9TH AVE E, SPENCER, IA 51301-4612

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	$3,730.00 (+6.39%)	$243,530 (+11.19%) Land $26,700 Building $216,830	$243,530 (+11.19%) Land $26,700 Building $216,830
2024	$3,506.00 (+7.02%)
2023		$219,020 (+17.8%) Land $21,360 Building $197,660	$219,020 (+17.8%) Land $21,360 Building $197,660
2022	$3,276.00	$185,920 Land $21,360 Building $164,560
2021			$185,920 Land $21,360 Building $164,560

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 98% of the US · lower than 82% 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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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