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

Clay County property record for 304 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,133 sqft · built 1920
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Mar 2025)
Tax Bill	$2,090 (2024)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607409002`

Property Details

APN / Parcel Number

Primary APN	`963607409002`
Alternative APN	`64096360740900200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,133 sqft Living Area
Basement Area	1,133 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	160 sqft
Patio Area	351 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gravity Furnace
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360740900200
Street Address	304 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	5 14 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	5
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3064
Census Tract	80200

Owner

Source: Clay County records · APN 963607409002

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 Record	Individual Name on File
Mailing Address	302 E 9TH ST, SPENCER, IA 51301-4510
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2025 · Amount on Record
Deed Sale	Mar 26, 2025 · Amount on Record
Deed Document Number	002025/680
Deed Book / Page	2025 / 680
Record Updated	Jun 08, 2026

March 2025: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	CLAY IA
Recording Date	Mar 26, 2025
Property Address	304 E 9TH ST, SPENCER, IA 51301-4510
Document Number	002025/680
Book / Page	2025 / 680
Instrument Date	Mar 26, 2025
Instrument	2025 680
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 E 9TH ST, SPENCER, IA 51301-4510

Mortgage

Date	Mar 26, 2025

Lender

Name	JENNIFER ZALAZNIK
Type	Private Party

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	2 Months
Due	May 01, 2025

Interest

Rate	5.62%

Tax Assessment & Valuation

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

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		$147,870 (+5.03%) Land $20,000 Building $127,870	$147,870 (+5.03%) Land $20,000 Building $127,870
2024	$2,090.00 (+8.63%)
2023		$140,790 (+19.17%) Land $14,000 Building $126,790	$140,790 (+19.17%) Land $14,000 Building $126,790
2022	$1,924.00 Homeowner's exemption	$118,140 Land $14,000 Building $104,140
2021			$118,140 Land $14,000 Building $104,140

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not 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

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.

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 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

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 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.