Clay County property record for 406 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,668 sqft · built 1940 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $167,000 (Aug 2021) |
| Tax Bill | $3,672 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607410002 |
| Primary APN | 963607410002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,668 sqft Living Area |
| 1st Floor Area | 624 sqft |
| Basement Area | 624 sqft |
| Finished Basement | 275 sqft |
| Unfinished Basement | 624 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Colonial |
| 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 | Attached |
| Garage Area | 876 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 312 sqft |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 406 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5 13 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 | 3063 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607410002
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 | 406 E 9TH ST, SPENCER, IA 51301-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Aug 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 24, 2021 · Amount on Record |
| Deed Sale | Aug 24, 2021 · Amount on Record |
| Deed Document Number | 20212680 |
| Deed Book / Page | 2021 / 2680 |
| Prior Transfer Date | Aug 25, 2005 |
| Prior Transfer Doc | 02005/3140 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 406 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 02021/3592 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | 2021/3592 |
| Instrument | 2021 3592 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 406 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/2681 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 2021/2681 |
| Instrument | 2021 2681 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 01, 2036 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 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 | $3,672.00 | $240,850 (+5%) Land $20,000 Building $220,850 | $240,850 (+5%) Land $20,000 Building $220,850 |
| 2024 | $3,672.00 (-2.81%) | ||
| 2023 | $229,380 (+6.96%) Land $14,000 Building $215,380 | $229,380 (+6.96%) Land $14,000 Building $215,380 | |
| 2022 | $3,778.00 | $214,460 Land $14,000 Building $200,460 | |
| 2021 | $214,460 Land $14,000 Building $200,460 |
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 | 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.
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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