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

Clay County property record for 217 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,280 sqft · built 1937
Lot Size	0.244 acres (10,650 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Jul 2026 Sale Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607333010`

Property Details

APN / Parcel Number

Primary APN	`963607333010`
Alternative APN	`64096360733301000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,280 sqft Living Area
1st Floor Area	624 sqft
Basement Area	656 sqft
Unfinished Basement	624 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,650 sqft (0.244 acres)
Lot Dimensions	142 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	360 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	217 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 1/2 10 6 COLLEGE 11 6 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3066
Census Tract	80200

Owner

Source: Clay County records, as of August 17, 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	217 E 9TH ST, SPENCER, IA 51301-4417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Affidavit, Transfer
Oct 10, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 10, 2026
Transfer Doc	0000001675
Record Updated	Sep 20, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CLAY IA
Recording Date	Jul 10, 2026
Property Address	217 E 9TH ST, SPENCER, IA 51301-4417
Document Number	0000001675
Book / Page	2026 / 1675
Instrument Date	Jul 10, 2026
Instrument	20261675
Transaction Type	Transfer
Record Updated	Aug 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	217 E 9TH ST, SPENCER, IA 51301-4417

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	217 E 9TH ST, SPENCER, IA 51301-4417
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 2650
Date	Oct 10, 2017
Book Page	2017/2650
Instrument	2017 2650

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,384.00 Homeowner's exemption	$177,610 (+11.6%) Land $30,000 Building $147,610	$177,610 (+11.6%) Land $30,000 Building $147,610
2024	$2,384.00 (+7.19%)
2023		$159,150 (+17.81%) Land $21,000 Building $138,150	$159,150 (+17.81%) Land $21,000 Building $138,150
2022	$2,224.00 Homeowner's exemption	$135,090 Land $21,000 Building $114,090
2021			$135,090 Land $21,000 Building $114,090

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	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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