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

Clay County property record for 720 E 9th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,060 sqft · built 1900
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$71,000 (Jan 2004)
Tax Bill	$1,070 (2024)
Deeds & Mortgages	May 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607432005`

Property Details

APN / Parcel Number

Primary APN	`963607432005`
Alternative APN	`64096360743200500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
Basement Area	1,060 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Exterior Material	Plywood
Construction Type	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	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743200500
Street Address	720 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 9 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	1
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3060
Census Tract	80200

Owner

Source: Clay County records · APN 963607432005

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	720 E 9TH ST, SPENCER, IA 51301-4921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 23, 2004 · Amount on Record
Deed Sale	Jan 23, 2004 · Amount on Record
Record Updated	Jun 08, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	720 E 9TH ST, SPENCER, IA 51301-4921
Transaction Type	Mortgage
Record Updated	May 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/802
Date	May 03, 2023
Book Page	2023/802
Instrument	2023 802

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

Interest

Rate Type	Adjustable Rate

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		$86,220 (+11.9%) Land $20,000 Building $66,220	$86,220 (+11.9%) Land $20,000 Building $66,220
2024	$1,070.00 (+8.3%)
2023		$77,050 (+18.65%) Land $14,000 Building $63,050	$77,050 (+18.65%) Land $14,000 Building $63,050
2022	$988.00 Homeowner's exemption	$64,940 Land $14,000 Building $50,940
2021			$64,940 Land $14,000 Building $50,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (19041C), updated February 21, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low less than 1% of the US · above 2% of Iowa
Wildfire Likelihood	Less than 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 231 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spencer Municipal Communications Utility	Fiber	1,000 / 1,000
Mediacom Communications	Cable	1,000 / 50
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AMG Technology Investment Group, Verizon, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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