Clay County property record for 903 E 9th St, Spencer, IA 51301 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1900 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,416 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607431007 |
| Primary APN | 963607431007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| 1st Floor Area | 576 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Lot Dimensions | 142 ft deep x 50 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,034 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 65 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 903 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 9 6 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 | 3057 |
| Census Tract | 80200 |
Source: Clay County records · APN 963607431007
Assessment roll updated September 30, 2025 · Last verified July 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 | 903 E 9TH ST, SPENCER, IA 51301-4747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 13, 2014 |
| Deed Sale | Jun 13, 2014 |
| Deed Document Number | 20141450 |
| Deed Book / Page | 2014 / 1450 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jun 30, 2026 |
| Property Address | 903 E 9TH ST, SPENCER, IA 51301-4747 |
| Document Number | 0000001567 |
| Book / Page | 2026 / 1567 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20261567 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 903 E 9TH ST, SPENCER, IA 51301-4747 |
| Document Number | 0000001567, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 2026/1567 |
| Instrument | 20261567 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 23, 2041 |
| Rate | 5.87% |
|---|---|
| Max Rate | -1% |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified July 2026
| 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 | $1,416.00 | $100,300 (+13.36%) Land $20,000 Building $80,300 | $100,300 (+13.36%) Land $20,000 Building $80,300 |
| 2024 | $1,416.00 (+6.15%) | ||
| 2023 | $88,480 (+16.93%) Land $14,000 Building $74,480 | $88,480 (+16.93%) Land $14,000 Building $74,480 | |
| 2022 | $1,334.00 | $75,670 Land $14,000 Building $61,670 | |
| 2021 | $75,670 Land $14,000 Building $61,670 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
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.
5G and 4G LTE
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