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

Clay County property record for 507 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,331 sqft · built 1920
Lot Size	0.385 acres (16,756 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Apr 2026)
Tax Bill	$1,704 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Aug 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`963607407012`

Property Details

APN / Parcel Number

Primary APN	`963607407012`
Alternative APN	`64096360740701200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,331 sqft Living Area
1st Floor Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Cape Cod
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,756 sqft (0.385 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Lean-To	Lean-To

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	507 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 8 9; ALL 9 9; PT 10 9 COLLEGE ADDITION
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	8,9
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3053
Census Tract	80200

Owner

Source: Clay County records, as of October 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	507 E 9TH ST, SPENCER, IA 51301-4813
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Aug 21, 2018	Deed of Trust, Mortgage FARMERS TRUST & SAVINGS BANK
Sep 1, 2009	Deed of Trust, Mortgage · ARM NORTHWEST BANK
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK MIDWEST
Aug 10, 2022	Warranty Deed, Transfer · Conventional Mortgage IOWA BANKERS MORTGAGE CORP
Aug 17, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	20261016
Deed Book / Page	2026 / 1016
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001579
Date	Jun 15, 2018
Book Page	0000002018/0000001579
Instrument	000000001579

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002243
Date	Aug 21, 2018
Book Page	0000002018/0000002243
Instrument	000000002243

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	173 Months
Due	Jan 1, 2033

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02009/2904
Date	Sep 1, 2009
Book Page	2009/2904
Instrument	2009 2904

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2024

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Sep 1, 2012
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	7.37%
Index	10-Year TN
Max Rate	11.3%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 29, 2026
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Document Number	02026/1016
Book / Page	2026 / 1016
Instrument Date	Apr 24, 2026
Instrument	2026.1016
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,967.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E 9TH ST, SPENCER, IA 51301-4813

Mortgage

Document Number	0000001017,
Date	Apr 29, 2026
Instrument	2026..1017

Lender

Name	BANK MIDWEST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 10, 2022
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Document Number	02022/2091
Book / Page	2022 / 2091
Instrument Date	Aug 2, 2022
Instrument	2022 2091
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$163.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 E 9TH ST, SPENCER, IA 51301-4813

Mortgage

Document Number	0020222092
Date	Aug 10, 2022
Instrument	2022 2092

Lender

Name	IOWA BANKERS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 17, 2018
Property Address	507 E 9TH ST, SPENCER, IA 51301-4813
Document Number	02018/2220
Book / Page	2018 / 2220
Instrument Date	Aug 16, 2018
Instrument	000000002220
Transaction Type	Transfer
Record Updated	May 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 25TH ST SW, SPENCER, IA 51301-5503

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,704.00 (+10.36%)	$111,320 (+15.48%) Land $41,800 Building $69,520	$111,320 (+15.48%) Land $41,800 Building $69,520
2024	$1,544.00 (+50.49%)
2023		$96,400 (+65.47%) Land $29,260 Building $67,140	$96,400 (+65.47%) Land $29,260 Building $67,140
2022	$1,026.00	$58,260 Land $29,260 Building $29,000
2021			$58,260 Land $29,260 Building $29,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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