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

Clay County property record for 518 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,395 sqft · built 2001
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2023)
Tax Bill	$3,318 (2024)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`963607411004`

Property Details

APN / Parcel Number

Primary APN	`963607411004`
Alternative APN	`64096360741100400`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,395 sqft Living Area
1st Floor Area	975 sqft
Basement Area	975 sqft
Finished Basement	700 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Deck Area	64 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360741100400
Street Address	518 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	2 12 COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE ADDITION
Legal Lot Number	2
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3062
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 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 Record
Mailing Address	518 E 9TH ST, SPENCER, IA 51301-4812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Oct 4, 2018	Deed of Trust, Mortgage FLANAGAN STATE BANK
Feb 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CARDINAL FINANCIAL COMPANY LP
Oct 4, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	2023 2353
Deed Book / Page	2023 / 2353
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 17, 2023
Property Address	518 E 9TH ST, SPENCER, IA 51301-4812
Document Number	02023/2353
Book / Page	2023 / 2353
Instrument Date	Oct 5, 2023
Instrument	2023 2353
Transaction Type	Transfer
Record Updated	Dec 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 9TH ST, SPENCER, IA 51301-4812

Mortgage

Document Number	0020232355
Date	Oct 17, 2023
Instrument	2023 2355

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	518 E 9TH ST, SPENCER, IA 51301-4812
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2007
Date	Jun 28, 2021
Book Page	2021/2007
Instrument	2021 2007

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	518 E 9TH ST, SPENCER, IA 51301-4812
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002589
Date	Oct 4, 2018
Book Page	0000002018/0000002589
Instrument	000000002589

Lender

Name	FLANAGAN STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	351 Months
Due	Jan 1, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	518 E 9TH ST, SPENCER, IA 51301-4812
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/410
Date	Feb 17, 2020
Book Page	2020/410
Instrument	410

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 4, 2018
Property Address	518 E 9TH ST, SPENCER, IA 51301-4812
Document Number	2018/2588
Book / Page	2018 / 2588
Instrument Date	Sep 30, 2018
Instrument	000000002588
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E 9TH ST, SPENCER, IA 51301-4812

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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		$231,560 (+6.45%) Land $20,000 Building $211,560	$231,560 (+6.45%) Land $20,000 Building $211,560
2024	$3,318.00 (-0.06%)
2023		$217,530 (+10.23%) Land $14,000 Building $203,530	$217,530 (+10.23%) Land $14,000 Building $203,530
2022	$3,320.00 Homeowner's exemption	$197,340 Land $14,000 Building $183,340
2021			$197,340 Land $14,000 Building $183,340

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

Nearby Properties on E 9th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures