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

Clay County property record for 705 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 900 sqft · built 1920
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Tax Bill	$768 (2024)
Deeds & Mortgages	Mar 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607429008`

Property Details

APN / Parcel Number

Primary APN	`963607429008`
Alternative APN	`64096360742900800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	620 sqft
Basement Area	620 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Exterior Material	Metal
Construction Type	Steel Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	7,100 sqft (0.162 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360742900800
Street Address	705 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPENCER RESID
Legal Description	8 4 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	8
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3055
Census Tract	80200

Owner

Source: Clay County records · APN 963607429008

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	Individual Name on File
Mailing Address	705 E 9TH ST, SPENCER, IA 51301-4922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 19, 2016
Deed Sale	Jan 19, 2016
Deed Document Number	0002016170
Record Updated	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	705 E 9TH ST, SPENCER, IA 51301-4922
Transaction Type	Mortgage
Record Updated	May 06, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/793
Date	Mar 30, 2020
Book Page	2020/793
Instrument	793

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 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

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		$65,440 (+12.5%) Land $20,000 Building $45,440	$65,440 (+12.5%) Land $20,000 Building $45,440
2024	$768.00 (+2.95%)
2023		$58,170 (+13.64%) Land $14,000 Building $44,170	$58,170 (+13.64%) Land $14,000 Building $44,170
2022	$746.00 Homeowner's exemption	$51,190 Land $14,000 Building $37,190
2021			$51,190 Land $14,000 Building $37,190

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.