Clay County property record for 706 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,120 sqft · built 1930 |
| Lot Size | 0.162 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (May 2023) |
| Tax Bill | $1,746 (2024) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607432002 |
| Primary APN | 963607432002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 640 sqft |
| Basement Area | 640 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 7,100 sqft (0.162 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Old Parcel Number | 64096360743200200 |
|---|---|
| Street Address | 706 E 9TH ST |
| City | SPENCER |
| State | IA |
| Zip | 51301-4921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPENCER RESID |
| Legal Description | 5 9 2ND COLLEGE |
| Legal Range | 36 |
| Legal Township | 17 |
| Legal Section | 07 |
| Legal Subdivision | COLLEGE 2ND ADDITION |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 3 |
| Census Block | 3060 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607432002
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 706 E 9TH ST, SPENCER, IA 51301-4921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 03, 2023 | Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK |
| May 17, 2023 | Warranty Deed, Transfer · FHA Mortgage FLANAGAN STATE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 17, 2023 · Amount on Record |
| Deed Sale | May 17, 2023 · Amount on Record |
| Deed Document Number | 2023 921 |
| Deed Book / Page | 2023 / 921 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 706 E 9TH ST, SPENCER, IA 51301-4921 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 002023/550 |
|---|---|
| Date | Apr 03, 2023 |
| Book Page | 2023/550 |
| Instrument | 2023 550 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 03, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 17, 2023 |
| Property Address | 706 E 9TH ST, SPENCER, IA 51301-4921 |
| Document Number | 002023/921 |
| Book / Page | 2023 / 921 |
| Instrument Date | May 13, 2023 |
| Instrument | 2023 921 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $239.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 706 E 9TH ST, SPENCER, IA 51301-4921 |
| Document Number | 002023/922 |
|---|---|
| Date | May 17, 2023 |
| Book Page | 2023/922 |
| Instrument | 2023 922 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2053 |
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 | $126,720 (+6.25%) Land $20,000 Building $106,720 | $126,720 (+6.25%) Land $20,000 Building $106,720 | |
| 2024 | $1,746.00 (+12.36%) | ||
| 2023 | $119,270 (+18.66%) Land $14,000 Building $105,270 | $119,270 (+18.66%) Land $14,000 Building $105,270 | |
| 2022 | $1,554.00 Homeowner's exemption | $100,510 Land $14,000 Building $86,510 | |
| 2021 | $100,510 Land $14,000 Building $86,510 |
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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