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

Clay County property record for 210 E 9th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,408 sqft · built 1915
Lot Size0.162 acres (7,100 sqft)
OwnerIndividual Name on File
Last Sale$53,000 (Mar 2020)
Tax Bill$1,408 (2024)
Deeds & MortgagesMay 2018 Mortgage
Mar 2020 Sale
Flood ZoneZone X (minimal risk)
APN963607337003

Property Details

APN / Parcel Number

Primary APN963607337003

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area1,408 sqft Living Area
1st Floor Area320 sqft
Basement Area192 sqft
Game RoomGame Room
Interior WallsPlaster

Exterior

Year BuiltBuilt 1915
Exterior MaterialVinyl
Construction TypeFrame
Foundation TypeConcrete
Roof TypeGable
Lot Area7,100 sqft (0.162 acres)
Lot Dimensions142 ft deep x 50 ft wide
Garage TypeDetached
Garage Area308 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area96 sqft
Deck Area64 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air
Water SourceCommercial

Location & Zoning

Street Address210 E 9TH ST
CitySPENCER
StateIA
Zip51301-4416
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description4 15 COLLEGE
Legal SubdivisionCOLLEGE ADDITION
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group3
Census Block3073
Census Tract80200

Owner

Source: Clay County records · APN 963607337003

Assessment roll updated May 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address210 E 9TH ST, SPENCER, IA 51301-4416
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 31, 2018Deed of Trust, Mortgage · ARM
FARMERS TRUST & SAVINGS BANK
Mar 31, 2020Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 31, 2020 · Amount on Record
Deed SaleMar 31, 2020 · Amount on Record
Prior SaleApr 02, 2008 · Amount on Record
Deed Document Number800
Deed Book / Page2020 / 800
Record UpdatedJun 08, 2026

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IA
Property Address210 E 9TH ST, SPENCER, IA 51301-4416
Transaction TypeMortgage
Record UpdatedAug 09, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002018/0000001426
DateMay 31, 2018
Book Page0000002018/0000001426
Instrument000000001426
Lender
NameFARMERS TRUST & SAVINGS BANK
TypeBank
Agreement
TypeARM
AmountAmount Recorded
Term176 Months
DueJan 01, 2033
Interest
Rate TypeAdjustable Rate
Rate5.2%
Type Change DateJun 01, 2019
Index1-Year CMT

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IA
Recording DateMar 31, 2020
Property Address210 E 9TH ST, SPENCER, IA 51301-4416
Document Number002020/800
Book / Page2020 / 800
Instrument DateMar 27, 2020
Instrument800
Transaction TypeTransfer
Record UpdatedAug 09, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address210 E 9TH ST, SPENCER, IA 51301-4416

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$106,090 (+8.12%) Land $20,000 Building $86,090$106,090 (+8.12%) Land $20,000 Building $86,090
2024$1,408.00 (+9.49%)
2023$98,120 (+19.92%) Land $14,000 Building $84,120$98,120 (+19.92%) Land $14,000 Building $84,120
2022$1,286.00 Homeowner's exemption$81,820 Land $14,000 Building $67,820
2021$81,820 Land $14,000 Building $67,820

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spencer Municipal Communications Utility
Fiber		1,000 / 1,000
Mediacom Communications
Cable		1,000 / 50
AT&T
Fixed Wireless		100 / 20

May also be available: AMG Technology Investment Group, Verizon.

Based on FCC filings for 451 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IA2171071, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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