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

Clay County property record for 502 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,914 sqft · built 1900
Lot Size	0.35 acres (15,265 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,176 (2024)
Deeds & Mortgages	May 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607411001`

Property Details

APN / Parcel Number

Primary APN	`963607411001`
Alternative APN	`64096360741100100`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,914 sqft Living Area
1st Floor Area	252 sqft
Basement Area	948 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	15,265 sqft (0.35 acres)
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	94 sqft
Deck Area	196 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360741100100
Street Address	502 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	PT 4-5 12 COLLEGE ALL 6 12 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3062
Census Tract	80200

Owner

Source: Clay County records · APN 963607411001

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	2 Individual Names on File
Mailing Address	502 E 9TH ST, SPENCER, IA 51301-4812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 06, 1989
Deed Sale	Feb 06, 1989
Record Updated	Jun 08, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	502 E 9TH ST, SPENCER, IA 51301-4812
Transaction Type	Mortgage
Record Updated	Jun 05, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1192
Date	May 15, 2019
Book Page	2019/1192
Instrument	1192

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2029

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		$162,710 (+11.38%) Land $39,100 Building $123,610	$162,710 (+11.38%) Land $39,100 Building $123,610
2024	$2,176.00 (+7.51%)
2023		$146,090 (+18.02%) Land $27,370 Building $118,720	$146,090 (+18.02%) Land $27,370 Building $118,720
2022	$2,024.00 Homeowner's exemption	$123,780 Land $27,370 Building $96,410
2021			$123,780 Land $27,370 Building $96,410

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.