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

Clay County property record for 413 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,450 sqft · built 1940
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$84,000 (Sep 2011)
Tax Bill	$2,082 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607406011`

Property Details

APN / Parcel Number

Primary APN	`963607406011`
Alternative APN	`64096360740601100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	967 sqft
Attic	Attic
Attic Area	435 sqft
Basement Area	967 sqft
Unfinished Basement	967 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/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	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	413 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 8 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	3052
Census Tract	80200

Owner

Source: Clay County records · APN 963607406011

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 02, 2011 · Amount on Record
Deed Sale	Sep 02, 2011 · Amount on Record
Deed Document Number	20112231
Deed Book / Page	2011 / 2231
Prior Transfer Date	Aug 30, 2011
Prior Transfer Doc	2011/2230
Record Updated	Jun 08, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	413 E 9TH ST, SPENCER, IA 51301-4513
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001015
Date	Apr 25, 2018
Book Page	0000002018/0000001015
Instrument	000000001015

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$2,082.00 Homeowner's exemption	$153,900 (+9.69%) Land $20,000 Building $133,900	$153,900 (+9.69%) Land $20,000 Building $133,900
2024	$2,082.00 (+8.21%)
2023		$140,300 (+18.79%) Land $14,000 Building $126,300	$140,300 (+18.79%) Land $14,000 Building $126,300
2022	$1,924.00 Homeowner's exemption	$118,110 Land $14,000 Building $104,110
2021			$118,110 Land $14,000 Building $104,110

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.