Clay County property record for 317 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,408 sqft · built 1916 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,000 (Feb 2026) |
| Tax Bill | $1,310 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Aug 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607405012 |
| Primary APN | 963607405012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 4 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 572 sqft |
| Basement Area | 740 sqft |
| Unfinished Basement | 572 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| 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 | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 317 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 11 7 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 | 3065 |
| Census Tract | 80200 |
Source: Clay County assessment roll, APN 963607405012, as of September 30, 2025 · Last verified July 2026
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 | 317 E 9TH ST, SPENCER, IA 51301-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Feb 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage FARMERS TRUST & SAVINGS BANK |
| Aug 03, 2018 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Deed Document Number | 2026485 |
| Deed Book / Page | 2026 / 485 |
| Prior Transfer Date | Jul 23, 2018 |
| Prior Transfer Doc | 02018/2119 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Feb 27, 2026 |
| Property Address | 317 E 9TH ST, SPENCER, IA 51301-4511 |
| Document Number | 002026/485 |
| Book / Page | 2026 / 485 |
| Instrument Date | Feb 25, 2026 |
| Instrument | 2026 485 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 317 E 9TH ST, SPENCER, IA 51301-4511 |
| Document Number | 0002026488 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 2026 488 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Aug 03, 2018 |
| Property Address | 317 E 9TH ST, SPENCER, IA 51301-4511 |
| Document Number | 2018/2119 |
| Book / Page | 2018 / 2119 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 000000002119 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1225 14TH AVE W, SPENCER, IA 51301-2942 |
Source: Clay County assessment roll as of September 30, 2025 · Last verified July 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 | $1,310.00 | $93,760 (+14.57%) Land $20,000 Building $73,760 | $93,760 (+14.57%) Land $20,000 Building $73,760 |
| 2024 | $1,310.00 (+4.13%) | ||
| 2023 | $81,840 Land $14,000 Building $67,840 | $81,840 Land $14,000 Building $67,840 | |
| 2022 | $1,258.00 |
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
| 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, 451 locations within half a mile, 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.
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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures