Clay County property record for 416 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1918 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Nov 2012) |
| Tax Bill | $2,116 (2024) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2005 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607410005 |
| Primary APN | 963607410005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Basement Area | 1,152 sqft |
| Finished Basement | 275 sqft |
| Game Room | Game Room |
| Interior Walls | Plaster |
| Year Built | Built 1918 |
|---|---|
| Exterior Material | Vinyl |
| Construction Type | 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 | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 128 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Street Address | 416 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 13 COLLEGE |
| 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 963607410005
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 | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 22, 2005 | Deed of Trust, Mortgage · Line of Credit COUNTRYWIDE HOME LOANS INC |
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Mar 14, 2005 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Mar 15, 2007 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK |
| Aug 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage VERIDIAN CU |
| Mar 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS SAVINGS BANK |
| Jun 04, 2007 | Legal Action/Court Order, Foreclosure · Conventional Mortgage NORTHWEST FSB |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 26, 2012 · Amount on Record |
| Deed Sale | Nov 26, 2012 · Amount on Record |
| Prior Sale | Jun 04, 2007 · Amount on Record |
| Deed Document Number | 2012 3712 |
| Deed Book / Page | 2012 / 3712 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 28, 2026 |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 0000001843 |
| Book / Page | 2026 / 1843 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20261843 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 0000001843, |
|---|---|
| Date | Jul 28, 2026 |
| Book Page | 2026/1843 |
| Instrument | 20261843 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Title Company | EXCEL TITLE CORPORATION, EXCEL TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 02005/0635 |
|---|---|
| Date | Feb 22, 2005 |
| Book Page | 2005/0635 |
| Instrument | 2005 0635 |
| Name | COUNTRYWIDE HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | CALABASAS, CA 91302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02021/2641 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 2021/2641 |
| Instrument | 2021 2641 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02005/0880 |
|---|---|
| Date | Mar 14, 2005 |
| Book Page | 2005/0880 |
| Instrument | 2005 0880 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 01, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02007/0708 |
|---|---|
| Date | Mar 15, 2007 |
| Book Page | 2007/0708 |
| Instrument | 2007 0708 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 002021/765 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2021/765 |
| Instrument | 2021 0765 |
| Name | FARMERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/2641 |
|---|---|
| Date | Aug 19, 2021 |
| Book Page | 2021/2641 |
| Instrument | 2021 2641 |
| Name | VERIDIAN CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021/765 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 2021/765 |
| Instrument | 2021 0765 |
| Name | FARMERS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 01, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Legal Action/Court Order |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 04, 2007 |
| Property Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 02007/1655 |
| Book / Page | 2007 / 1655 |
| Instrument Date | May 31, 2007 |
| Instrument | 2007 1655 |
| Transaction Type | Foreclosure |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $73.60 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 416 E 9TH ST, SPENCER, IA 51301-4512 |
| Document Number | 0020071657 |
|---|---|
| Date | Jun 04, 2007 |
| Instrument | 2007 1657 |
| Name | NORTHWEST FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2037 |
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 | $149,290 (+4.88%) Land $20,000 Building $129,290 | $149,290 (+4.88%) Land $20,000 Building $129,290 | |
| 2024 | $2,116.00 (+8.51%) | ||
| 2023 | $142,350 (+19.1%) Land $14,000 Building $128,350 | $142,350 (+19.1%) Land $14,000 Building $128,350 | |
| 2022 | $1,950.00 Homeowner's exemption | $119,520 Land $14,000 Building $105,520 | |
| 2021 | $119,520 Land $14,000 Building $105,520 |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures