9 E 25th St, Spencer, IA 51301 Property Records

Clay County property record for 9 E 25th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,723 sqft · built 2005
Lot Size	0.517 acres (22,540 sqft)
Owner	Company Name on Record
Last Sale	$225,000 (May 2019)
Tax Bill	$5,304 (2025)
Deeds & Mortgages	Jul 2021 Transfer May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606178016`

Property Details

APN / Parcel Number

Primary APN	`963606178016`
Alternative APN	`68296360617801600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
Basement Area	1,723 sqft
Finished Basement	1,400 sqft
Unfinished Basement	1,723 sqft
Sunroom	Sunroom
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,540 sqft (0.517 acres)
Lot Dimensions	161 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	1,185 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	330 sqft
Deck Area	72 sqft
Patio Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9 E 25TH ST
City	SPENCER
State	IA
Zip	51301-2101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 60' 11 1 & ALL 12 1 BULLOCKS HIGHLAND ACRES
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	BULLOCK HIGHLAND ACRES
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	9 E 25TH ST, SPENCER, IA 51301-2101
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Quit Claim Deed, Transfer Quitclaim
May 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	Jul 17, 2008 · Amount on Record
Deed Document Number	20191158
Deed Book / Page	2019 / 1158
Prior Transfer Date	Jul 16, 2008
Prior Transfer Doc	2008/2102
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IA
Recording Date	Jul 22, 2021
Property Address	9 E 25TH ST, SPENCER, IA 51301-2101
Document Number	2021/2332
Book / Page	2021 / 2332
Instrument Date	Jul 14, 2021
Instrument	2021 2332
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 E 25TH ST, SPENCER, IA 51301-2101

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 10, 2019
Property Address	9 E 25TH ST, SPENCER, IA 51301-2101
Document Number	2019/1158
Book / Page	2019 / 1158
Instrument Date	Apr 27, 2019
Instrument	1158
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	832 LAKE ST, SPIRIT LAKE, IA 51360-1650

Mortgage

Document Number	02019/1159
Date	May 10, 2019
Book Page	2019/1159
Instrument	1159

Lender

Name	NORTHWEST BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,304.00 (+2.35%) Homeowner's exemption	$357,200 (+6.97%) Land $34,940 Building $322,260	$357,200 (+6.97%) Land $34,940 Building $322,260
2024	$5,182.00 (+8.09%)
2023		$333,910 (+18.81%) Land $29,120 Building $304,790	$333,910 (+18.81%) Land $29,120 Building $304,790
2022	$4,794.00 Homeowner's exemption	$281,040 Land $29,120 Building $251,920
2021			$281,040 Land $29,120 Building $251,920

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
GigFire Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, T-Mobile, Verizon.

Nearby Properties on E 25th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures