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

Clay County property record for 405 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 856 sqft · built 1920
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Oct 2010)
Tax Bill	$936 (2024)
Deeds & Mortgages	Oct 2010 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607406009`

Property Details

APN / Parcel Number

Primary APN	`963607406009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	856 sqft Living Area
1st Floor Area	352 sqft
Basement Area	352 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
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	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	72 sqft
Patio Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Street Address	405 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 8 COLLEGE
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 963607406009

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	405 E 9TH ST, SPENCER, IA 51301-4513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 22, 2010 · Amount on Record
Deed Sale	Oct 22, 2010 · Amount on Record
Deed Document Number	2007 0451
Deed Book / Page	2007 / 0451
Prior Transfer Date	Feb 16, 2007
Prior Transfer Doc	2007 0451
Record Updated	Jun 08, 2026

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	405 E 9TH ST, SPENCER, IA 51301-4513
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/3039
Date	Oct 29, 2010
Book Page	2010/3039
Instrument	2010 3039

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Oct 28, 2043

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		$77,080 (+12.89%) Land $20,000 Building $57,080	$77,080 (+12.89%) Land $20,000 Building $57,080
2024	$936.00 (+4.7%)
2023		$68,280 (+14.47%) Land $14,000 Building $54,280	$68,280 (+14.47%) Land $14,000 Building $54,280
2022	$894.00 Homeowner's exemption	$59,650 Land $14,000 Building $45,650
2021			$59,650 Land $14,000 Building $45,650

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.