1724 9th Ave E, Spencer, IA 51301 Property Records

Clay County property record for 1724 9th Ave E, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,192 sqft · built 1973
Lot Size	0.262 acres (11,391 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2020)
Tax Bill	$3,282 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607231001`

Property Details

APN / Parcel Number

Primary APN	`963607231001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,192 sqft Living Area
Basement Area	1,192 sqft
Finished Basement	500 sqft
Unfinished Basement	1,192 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,391 sqft (0.262 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1724 9TH AVE E
City	SPENCER
State	IA
Zip	51301-4612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 4 BALDWIN HEIGHTS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	BALDWIN HEIGHTS
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	1724 9TH AVE E, SPENCER, IA 51301-4612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Jul 22, 2020	Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Prior Sale	Feb 20, 2007 · Amount on Record
Deed Document Number	20202178
Deed Book / Page	2020 / 2178
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	1724 9TH AVE E, SPENCER, IA 51301-4612
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2079
Date	Jul 15, 2020
Book Page	2020/2079
Instrument	2020 2079

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 15, 2021

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 22, 2020
Property Address	1724 9TH AVE E, SPENCER, IA 51301-4612
Document Number	02020/2178
Book / Page	2020 / 2178
Instrument Date	Jul 17, 2020
Instrument	2020 2178
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1724 9TH AVE E, SPENCER, IA 51301-4612

Mortgage

Document Number	02020/2179
Date	Jul 22, 2020
Book Page	2020/2179
Instrument	2020 2179

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2035

Interest

Rate Type	Fixed Rate

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	$3,282.00 (+10.88%) Homeowner's exemption	$225,170 (+15.39%) Land $39,240 Building $185,930	$225,170 (+15.39%) Land $39,240 Building $185,930
2024	$2,960.00 (+6.71%)
2023		$195,130 (+17.29%) Land $31,390 Building $163,740	$195,130 (+17.29%) Land $31,390 Building $163,740
2022	$2,774.00	$166,360 Land $31,390 Building $134,970
2021			$166,360 Land $31,390 Building $134,970

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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