Clay County property record for 612 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1965 |
| Lot Size | 0.342 acres (14,910 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,182 (2024) |
| Deeds & Mortgages | Jan 2017 Line of Credit Dec 2024 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607412003 |
| Primary APN | 963607412003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 14,910 sqft (0.342 acres) |
| Garage Type | Mixed |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Patio Area | 364 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Old Parcel Number | 64096360741200300 |
|---|---|
| Street Address | 612 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 35' 2 11 COLLEGE ALL 3 11 COLLEGE E 19.5' 4 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 963607412003
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 | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2017 | Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK |
| Dec 27, 2024 | Warranty Deed, Transfer |
| Jul 25, 2019 | Deed, Transfer · Stand-Alone Refinance FARMERS NATIONAL BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 21, 2025 |
| Deed Sale | Feb 21, 2025 |
| Prior Sale | Jul 25, 2019 · Amount on Record |
| Deed Document Number | 0000202536 |
| Deed Book / Page | 2025 / 36 |
| Prior Transfer Date | Dec 27, 2024 |
| Prior Transfer Doc | 2025 36 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 02017/0145 |
|---|---|
| Date | Jan 19, 2017 |
| Book Page | 2017/0145 |
| Instrument | 2017 0145 |
| Name | FARMERS TRUST & SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | SPENCER, IA 51301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Dec 27, 2024 |
| Property Address | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 0002025/36 |
| Book / Page | 2025 / 36 |
| Instrument Date | Dec 27, 2024 |
| Instrument | 2025 36 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $162.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 25, 2019 |
| Property Address | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 02019/1922 |
| Book / Page | 2019 / 1922 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 1922 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 02019/1921 |
|---|---|
| Date | Jul 25, 2019 |
| Book Page | 2019/1921 |
| Instrument | 1921 |
| Name | FARMERS NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| 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 | $156,970 (-2.07%) Land $39,900 Building $117,070 | $156,970 (-2.07%) Land $39,900 Building $117,070 | |
| 2024 | $2,182.00 (+38.28%) | ||
| 2023 | $160,280 Land $27,930 Building $132,350 | $160,280 Land $27,930 Building $132,350 | |
| 2022 | $1,578.00 |
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 99.8% 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.
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.
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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