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

Clay County property record for 21 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,142 sqft · built 1920
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$163,500 (Dec 2022)
Tax Bill	$2,250 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2020 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607331009`

Property Details

APN / Parcel Number

Primary APN	`963607331009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,142 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Metal
Construction Type	Steel Frame
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	320 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	300 sqft
Deck Area	150 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	21 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	E 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

Source: Clay County records, as of December 2, 2025

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	21 E 9TH ST, SPENCER, IA 51301-4313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FLANAGAN STATE BANK
Oct 19, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2022 · Amount on Record
Deed Sale	Dec 12, 2022 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	20223142
Deed Book / Page	2022 / 3142
Prior Transfer Date	Oct 1, 2020
Prior Transfer Doc	02020/3169
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 12, 2022
Property Address	21 E 9TH ST, SPENCER, IA 51301-4313
Document Number	02022/3142
Book / Page	2022 / 3142
Instrument Date	Dec 7, 2022
Instrument	2022 3142
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.80
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	21 E 9TH ST, SPENCER, IA 51301-4313

Mortgage

Document Number	02022/3143
Date	Dec 12, 2022
Book Page	2022/3143
Instrument	2022 3143

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

October 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Oct 19, 2020
Property Address	21 E 9TH ST, SPENCER, IA 51301-4313
Document Number	2020/3168
Book / Page	2020 / 3168
Instrument Date	Oct 1, 2020
Instrument	2020 3168
Transaction Type	Foreclosure
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 E 9TH ST, SPENCER, IA 51301-4313

Mortgage

Document Number	02020/3169
Date	Oct 19, 2020
Book Page	2020/3169
Instrument	2020 3169

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2040

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	$2,250.00	$152,380 (+17.04%) Land $28,970 Building $123,410	$152,380 (+17.04%) Land $28,970 Building $123,410
2024	$2,250.00 (+81.45%)
2023		$130,200 (+84.97%) Land $16,220 Building $113,980	$130,200 (+84.97%) Land $16,220 Building $113,980
2022	$1,240.00	$70,390 Land $16,220 Building $54,170
2021			$70,390 Land $16,220 Building $54,170

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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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