Clay County property record for 323 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,666 sqft · built 1915 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $94,500 (Nov 2012) |
| Tax Bill | $1,632 (2024) |
| Deeds & Mortgages | May 2022 Mortgage Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607405013 |
| Primary APN | 963607405013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,666 sqft Living Area |
| 1st Floor Area | 752 sqft |
| Basement Area | 752 sqft |
| Finished Basement | 250 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1915 |
|---|---|
| Exterior Material | Metal |
| Construction Type | Steel 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 | 612 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 152 sqft |
| Deck Area | 171 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Street Address | 323 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12 7 COLLEGE |
| Legal Subdivision | COLLEGE ADDITION |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3065 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607405013
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 | 323 E 9TH ST, SPENCER, IA 51301-4511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 09, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Sep 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Aug 17, 2018 | Deed of Trust, Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 14, 2012 · Amount on Record |
| Deed Sale | Nov 14, 2012 · Amount on Record |
| Prior Sale | Aug 07, 2007 · Amount on Record |
| Deed Document Number | 2012 3585 |
| Deed Book / Page | 2012 / 3585 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 323 E 9TH ST, SPENCER, IA 51301-4511 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 02022/1175 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 2022/1175 |
| Instrument | 2022 1175 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 323 E 9TH ST, SPENCER, IA 51301-4511 |
| Transaction Type | Mortgage |
| Record Updated | Apr 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/2978 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 2020/2978 |
| Instrument | 2020 2978 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 323 E 9TH ST, SPENCER, IA 51301-4511 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000002215 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 0000002018/0000002215 |
| Instrument | 000000002215 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 353 Months |
| Due | Jan 01, 2048 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| 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 | $125,460 (+11.91%) Land $20,000 Building $105,460 | $125,460 (+11.91%) Land $20,000 Building $105,460 | |
| 2024 | $1,632.00 (+7.65%) | ||
| 2023 | $112,110 (+18.05%) Land $14,000 Building $98,110 | $112,110 (+18.05%) Land $14,000 Building $98,110 | |
| 2022 | $1,516.00 Homeowner's exemption | $94,970 Land $14,000 Building $80,970 | |
| 2021 | $94,970 Land $14,000 Building $80,970 |
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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