Clay County property record for 408 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1918 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,500 (Nov 2022) |
| Tax Bill | $1,424 (2024) |
| Deeds & Mortgages | Sep 2023 Line of Credit May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607410003 |
| Primary APN | 963607410003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Basement Area | 1,120 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1918 |
|---|---|
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| 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 | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 160 sqft |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 132 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Old Parcel Number | 64096360741000300 |
|---|---|
| Street Address | 408 E 9TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-4512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | 4 13 COLLEGE |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | COLLEGE ADDITION |
| Legal Lot Number | 4 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3063 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607410003
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 | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 07, 2023 | Deed of Trust, Mortgage · Line of Credit LEIGHTON STATE BANK |
| May 16, 2023 | Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK |
| Nov 08, 2022 | Warranty Deed, Transfer · Conventional Mortgage FARMERS SAVINGS BANK |
| Aug 22, 2017 | Contract Sale, Transfer · Conventional Mortgage LEIGHTON STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 08, 2022 · Amount on Record |
| Deed Sale | Nov 08, 2022 · Amount on Record |
| Prior Sale | Mar 07, 2005 · Amount on Record |
| Deed Document Number | 0020222933 |
| Deed Book / Page | 2022 / 2933 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Nov 06, 2023 |
| Name | Verified Name |
|---|---|
| Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02023/2016 |
|---|---|
| Date | Sep 07, 2023 |
| Book Page | 2023/2016 |
| Instrument | 2023 2016 |
| Name | LEIGHTON STATE BANK |
|---|---|
| Type | Bank |
| Address | MILFORD, IA 51351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 62 Months |
| Due | Nov 01, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/901 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 2023/901 |
| Instrument | 2023 901 |
| Name | FARMERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 08, 2022 |
| Property Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02022/2933 |
| Book / Page | 2022 / 2933 |
| Instrument Date | Aug 18, 2017 |
| Instrument | 2022 2933 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02022/2937 |
|---|---|
| Date | Nov 09, 2022 |
| Book Page | 2022/2937 |
| Instrument | 2022 2937 |
| Name | FARMERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Contract Sale |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Aug 22, 2017 |
| Property Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02017/2230 |
| Book / Page | 2017 / 2230 |
| Instrument Date | Aug 17, 2017 |
| Instrument | 2017 2230 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02017/2232 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 2017/2232 |
| Instrument | 2017 2232 |
| Name | LEIGHTON STATE BANK |
|---|---|
| Type | Bank |
| Address | MILFORD, IA 51351 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $94,240 (+35.85%) Land $20,000 Building $74,240 | $94,240 (+35.85%) Land $20,000 Building $74,240 | |
| 2024 | $1,424.00 (-11.11%) | ||
| 2023 | $69,370 Land $14,000 Building $55,370 | $69,370 Land $14,000 Building $55,370 | |
| 2022 | $1,602.00 |
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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