Clay County property record for 600 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,980 sqft · built 1900 |
| Lot Size | 0.244 acres (10,650 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Jul 2018) |
| Tax Bill | $2,968 (2024) |
| Deeds & Mortgages | Jul 2006 Line of Credit Jul 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607412001 |
| Primary APN | 963607412001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,980 sqft Living Area |
| 1st Floor Area | 804 sqft |
| Basement Area | 804 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 10,650 sqft (0.244 acres) |
| Lot Dimensions | 75 ft deep x 142 ft wide |
| Garage Type | Detached |
| Garage Area | 1,120 sqft |
| Parking Spaces | 5 Parking Spaces |
| Patio Area | 167 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360741200100 |
|---|---|
| Street Address | 600 E 9TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | W 1/2 5 11 COLLEGE ALL 6 11 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 | 3061 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607412001
Assessment roll updated May 1, 2025 · Last verified February 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 600 E 9TH ST, SPENCER, IA 51301-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 17, 2006 | Deed of Trust, Mortgage · Line of Credit NORTHWEST FSB |
| Jul 02, 2018 | Warranty Deed, Transfer FARMERS TRUST & SAVINGS BANK |
| Nov 15, 2007 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2018 · Amount on Record |
| Deed Sale | Jul 02, 2018 · Amount on Record |
| Prior Sale | Nov 15, 2007 · Amount on Record |
| Deed Document Number | 000000001744 |
| Deed Book / Page | 2018 / 1744 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 600 E 9TH ST, SPENCER, IA 51301-4814 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02006/2248 |
|---|---|
| Date | Jul 17, 2006 |
| Book Page | 2006/2248 |
| Instrument | 2006 2248 |
| Name | NORTHWEST FSB |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 136 Months |
| Due | Nov 15, 2017 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 02, 2018 |
| Property Address | 600 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 2018/1744 |
| Book / Page | 2018 / 1744 |
| Instrument Date | Jun 26, 2018 |
| Instrument | 000000001744 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 600 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 0000002018/0000001745 |
|---|---|
| Date | Jul 02, 2018 |
| Book Page | 0000002018/0000001745 |
| Instrument | 000000001745 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 354 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 15, 2007 |
| Property Address | 600 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 02007/3494 |
| Book / Page | 2007 / 3494 |
| Instrument Date | Nov 14, 2007 |
| Instrument | 2007 3494 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 207 12TH AVE W, SPENCER, IA 51301-3048 |
| Document Number | 0020073495 |
|---|---|
| Date | Nov 15, 2007 |
| Instrument | 2007 3495 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 456 Months |
| Due | Nov 15, 2045 |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified February 2026
| 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 | $202,840 (+9.4%) Land $33,170 Building $169,670 | $202,840 (+9.4%) Land $33,170 Building $169,670 | |
| 2024 | $2,968.00 (+9.04%) | ||
| 2023 | $185,410 (+19.98%) Land $23,220 Building $162,190 | $185,410 (+19.98%) Land $23,220 Building $162,190 | |
| 2022 | $2,722.00 | $154,540 Land $23,220 Building $131,320 | |
| 2021 | $154,540 Land $23,220 Building $131,320 |
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.
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