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

Clay County property record for 908 E 9th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1956
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jun 2005)
Tax Bill	$2,284 (2024)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607434003`

Property Details

APN / Parcel Number

Primary APN	`963607434003`
Alternative APN	`64096360743400300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	575 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Steel 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	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743400300
Street Address	908 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4746
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 7 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	6
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3058
Census Tract	80200

Owner

Source: Clay County records · APN 963607434003

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	908 E 9TH ST, SPENCER, IA 51301-4746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 20, 2005 · Amount on Record
Deed Sale	Jun 20, 2005 · Amount on Record
Deed Document Number	2005 2083
Deed Book / Page	2005 / 2083
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	908 E 9TH ST, SPENCER, IA 51301-4746
Transaction Type	Mortgage
Record Updated	Oct 06, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2902
Date	Sep 14, 2021
Book Page	2021/2902
Instrument	2021 2902

Lender

Name	FIRST FEDERAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 05, 2026

Interest

Rate Type	Fixed 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		$165,510 (+8.29%) Land $20,000 Building $145,510	$165,510 (+8.29%) Land $20,000 Building $145,510
2024	$2,284.00 (+9.18%)
2023		$152,840 (+19.8%) Land $14,000 Building $138,840	$152,840 (+19.8%) Land $14,000 Building $138,840
2022	$2,092.00 Homeowner's exemption	$127,580 Land $14,000 Building $113,580
2021			$127,580 Land $14,000 Building $113,580

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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