Clay County property record for 221 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,710 sqft · built 1900 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $162 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Dec 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607333011 |
| Primary APN | 963607333011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,710 sqft Living Area |
| 1st Floor Area | 672 sqft |
| Basement Area | 180 sqft |
| Unfinished Basement | 180 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 112 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 221 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 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 |
Source: Clay County records · APN 963607333011
Assessment roll updated September 30, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 221 E 9TH ST, SPENCER, IA 51301-4417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 03, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| Dec 11, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 21, 2008 |
| Deed Sale | Aug 21, 2008 |
| Deed Document Number | 20082454 |
| Deed Book / Page | 2008 / 2454 |
| Prior Transfer Date | Aug 18, 2008 |
| Prior Transfer Doc | 2008/2454 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 9TH ST, SPENCER, IA 51301-4417 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/790 |
|---|---|
| Date | May 03, 2023 |
| Book Page | 2023/790 |
| Instrument | 2023 790 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 221 E 9TH ST, SPENCER, IA 51301-4417 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2019/3301 |
|---|---|
| Date | Dec 11, 2019 |
| Book Page | 2019/3301 |
| Instrument | 3301 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jan 01, 2029 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $162.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $88,350 (+14.98%) Land $20,000 Building $68,350 | $88,350 (+14.98%) Land $20,000 Building $68,350 |
| 2024 | $162.00 (-47.4%) | ||
| 2023 | $76,840 (+16.78%) Land $14,000 Building $62,840 | $76,840 (+16.78%) Land $14,000 Building $62,840 | |
| 2022 | $308.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $65,800 Land $14,000 Building $51,800 | |
| 2021 | $65,800 Land $14,000 Building $51,800 |
Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 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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