Clay County property record for 620 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,222 sqft · built 1950 |
| Lot Size | 0.212 acres (9,230 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Jan 2025) |
| Tax Bill | $2,676 (2025) |
| Deeds & Mortgages | Jul 2018 Mortgage Jul 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607412004 |
| Primary APN | 963607412004 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,222 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 9,230 sqft (0.212 acres) |
| Lot Dimensions | 142 ft deep x 65 ft wide |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 620 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 11 COLLEGE E 15' 2 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 |
Source: Clay County records · APN 963607412004
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 | 612 E 9TH ST, SPENCER, IA 51301-4814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 24, 2018 | Deed of Trust, Mortgage PRIME LENDING INC |
| Jul 24, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2025 · Amount on Record |
| Deed Sale | Jan 06, 2025 · Amount on Record |
| Prior Sale | Jan 06, 2025 · Amount on Record |
| Deed Document Number | 202537 |
| Deed Book / Page | 2025 / 37 |
| Prior Transfer Date | Jul 20, 2018 |
| Prior Transfer Doc | 2018/1982 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 620 E 9TH ST, SPENCER, IA 51301-4814 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000001983 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 0000002018/0000001983 |
| Instrument | 000000001983 |
| Name | PRIME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 354 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jul 24, 2018 |
| Property Address | 620 E 9TH ST, SPENCER, IA 51301-4814 |
| Document Number | 2018/1982 |
| Book / Page | 2018 / 1982 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 000000001982 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 620 E 9TH ST, SPENCER, IA 51301-4814 |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 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 | $2,676.00 Homeowner's exemption | $192,030 (+8.24%) Land $26,000 Building $166,030 | $192,030 (+8.24%) Land $26,000 Building $166,030 |
| 2024 | $2,676.00 (+8.96%) | ||
| 2023 | $177,410 (+19.65%) Land $18,200 Building $159,210 | $177,410 (+19.65%) Land $18,200 Building $159,210 | |
| 2022 | $2,456.00 Homeowner's exemption | $148,280 Land $18,200 Building $130,080 | |
| 2021 | $148,280 Land $18,200 Building $130,080 |
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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