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

Clay County property record for 803 E 9th St, Spencer, IA 51301 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1890
Lot Size	0.271 acres (11,786 sqft)
Owner	Individual Name on File
Last Sale	$88,000 (Feb 2006)
Tax Bill	$1,996 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963607430005`

Property Details

APN / Parcel Number

Primary APN	`963607430005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	432 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,786 sqft (0.271 acres)
Lot Dimensions	142 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	1,360 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	803 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7 5 2ND COLLEGE EXC E 17' 8 5 2ND COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE 2ND ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3056
Census Tract	80200

Owner

Source: Clay County records · APN 963607430005

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	Individual Name on File
Mailing Address	803 E 9TH ST, SPENCER, IA 51301-4924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 03, 2006 · Amount on Record
Deed Sale	Feb 03, 2006 · Amount on Record
Deed Document Number	2006373
Deed Book / Page	2006 / 373
Last Transfer Date	Jun 24, 2013
Transfer Doc	2013/2103
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	803 E 9TH ST, SPENCER, IA 51301-4924
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/3217
Date	Dec 12, 2017
Book Page	2017/3217
Instrument	2017 3217

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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	$1,996.00 Homeowner's exemption	$151,680 (+12.48%) Land $33,200 Building $118,480	$151,680 (+12.48%) Land $33,200 Building $118,480
2024	$1,996.00 (+6.4%)
2023		$134,850 (+16.86%) Land $23,240 Building $111,610	$134,850 (+16.86%) Land $23,240 Building $111,610
2022	$1,876.00 Homeowner's exemption	$115,390 Land $23,240 Building $92,150
2021			$115,390 Land $23,240 Building $92,150

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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