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

Clay County property record for 318 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,440 sqft · built 1915
Lot Size	0.326 acres (14,200 sqft)
Owner	2 Individual Names on File
Last Sale	$207,000 (Dec 2020)
Tax Bill	$4,586 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607409005`

Property Details

APN / Parcel Number

Primary APN	`963607409005`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
1st Floor Area	860 sqft
Basement Area	1,020 sqft
Finished Basement	320 sqft
Unfinished Basement	1,020 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	14,200 sqft (0.326 acres)
Lot Dimensions	142 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	1,544 sqft
Parking Spaces	6 Parking Spaces
Porch	Porch
Porch Area	24 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	318 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1-2 14 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	3064
Census Tract	80200

Owner

Source: Clay County records · APN 963607409005

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	318 E 9TH ST, SPENCER, IA 51301-4510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 03, 2020 · Amount on Record
Deed Sale	Dec 03, 2020 · Amount on Record
Deed Document Number	20203848
Deed Book / Page	2020 / 3848
Prior Transfer Date	Jun 11, 2013
Prior Transfer Doc	2013/1951
Record Updated	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 03, 2020
Property Address	318 E 9TH ST, SPENCER, IA 51301-4510
Document Number	2020/3848
Book / Page	2020 / 3848
Instrument Date	Nov 11, 2020
Instrument	2020 3848
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$330.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	318 E 9TH ST, SPENCER, IA 51301-4510

Mortgage

Document Number	02020/3849
Date	Dec 03, 2020
Book Page	2020/3849
Instrument	2020 3849

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$4,586.00 Homeowner's exemption	$319,750 (+7.77%) Land $40,000 Building $279,750	$319,750 (+7.77%) Land $40,000 Building $279,750
2024	$4,586.00 (+9.82%)
2023		$296,700 (+20.62%) Land $28,000 Building $268,700	$296,700 (+20.62%) Land $28,000 Building $268,700
2022	$4,176.00 Homeowner's exemption	$245,970 Land $28,000 Building $217,970
2021			$245,970 Land $28,000 Building $217,970

Flood & Wildfire

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

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 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.