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

Clay County property record for 401 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 979 sqft · built 1900
Lot Size	0.126 acres (5,500 sqft)
Owner	Individual Name on File
Last Sale	$23,901 (Apr 2009)
Tax Bill	$514 (2024)
Flood Zone	Zone X (minimal risk)
APN	`963607406008`

Property Details

APN / Parcel Number

Primary APN	`963607406008`
Alternative APN	`64096360740600800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	979 sqft Living Area
1st Floor Area	832 sqft
Basement Area	624 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Exterior Material	Asbestos
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360740600800
Street Address	401 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	EXC N 32' 7 8 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3052
Census Tract	80200

Owner

Source: Clay County records · APN 963607406008

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
Co-owner	Verified Secondary Owner
Mailing Address	3520 160TH AVE, EVERLY, IA 51338-7507
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2009 · Amount on Record
Deed Sale	Apr 10, 2009 · Amount on Record
Deed Document Number	2009 1294
Deed Book / Page	2009 / 1294
Record Updated	Jun 08, 2026

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		$39,190 (+22.2%) Land $18,400 Building $20,790	$39,190 (+22.2%) Land $18,400 Building $20,790
2024	$514.00 (+1.58%)
2023		$32,070 (+11.74%) Land $12,880 Building $19,190	$32,070 (+11.74%) Land $12,880 Building $19,190
2022	$506.00	$28,700 Land $12,880 Building $15,820
2021			$28,700 Land $12,880 Building $15,820

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	Low lower than 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.