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

Clay County property record for 608 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,412 sqft · built 1953
Lot Size	0.183 acres (7,952 sqft)
Owner	2 Individual Names on File
Last Sale	$82,000 (Mar 2014)
Tax Bill	$2,010 (2025)
Deeds & Mortgages	Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607412002`

Property Details

APN / Parcel Number

Primary APN	`963607412002`
Alternative APN	`64096360741200200`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	3 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,412 sqft Living Area
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	7,952 sqft (0.183 acres)
Lot Dimensions	142 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	428 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	608 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 30.5' 4 11 COLLEGE E 1/2 5 11 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3061
Census Tract	80200

Owner

Source: Clay County records · APN 963607412002

Assessment roll updated September 30, 2025 · Last verified April 2026

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	608 E 9TH ST, SPENCER, IA 51301-4814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 04, 2014 · Amount on Record
Deed Sale	Mar 04, 2014 · Amount on Record
Deed Document Number	2014531
Deed Book / Page	2014 / 531
Prior Transfer Date	Feb 25, 2014
Prior Transfer Doc	2014/0531
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	608 E 9TH ST, SPENCER, IA 51301-4814
Transaction Type	Mortgage
Record Updated	Apr 06, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002022/483
Date	Feb 24, 2022
Book Page	2022/483
Instrument	2022 483

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$2,010.00 Homeowner's exemption	$161,990 (+8.33%) Land $22,400 Building $139,590	$161,990 (+8.33%) Land $22,400 Building $139,590
2024	$2,010.00 (-2.24%)
2023		$149,540 (+19.04%) Land $15,680 Building $133,860	$149,540 (+19.04%) Land $15,680 Building $133,860
2022	$2,056.00 Homeowner's exemption	$125,620 Land $15,680 Building $109,940
2021			$125,620 Land $15,680 Building $109,940

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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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, LTD Broadband, Verizon.

Based on FCC filings for 231 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.