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

Clay County property record for 909 E 9th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,116 sqft · built 1950
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Jun 2018)
Tax Bill	$2,372 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607431009`

Property Details

APN / Parcel Number

Primary APN	`963607431009`
Alternative APN	`64096360743100900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	720 sqft
Basement Area	1,116 sqft
Finished Basement	375 sqft
Unfinished Basement	1,116 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
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	Detached
Garage Area	260 sqft
Parking Spaces	1 Parking Space
Deck Area	352 sqft
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	909 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 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

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	Individual Name on Record
Mailing Address	909 E 9TH ST, SPENCER, IA 51301-4747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMUNITY STATE BANK
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Jun 22, 2018	Deed of Trust, Mortgage COMMUNITY STATE BANK
Jun 22, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	20181649
Deed Book / Page	2018 / 1649
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	909 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002024/330
Date	Feb 28, 2024
Book Page	2024/330
Instrument	2024 330

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Apr 24, 2029

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	909 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/1314
Date	May 20, 2020
Book Page	2020/1314
Instrument	2020 1314

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2040

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	909 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001650
Date	Jun 22, 2018
Book Page	0000002018/0000001650
Instrument	000000001650

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jun 22, 2018
Property Address	909 E 9TH ST, SPENCER, IA 51301-4747
Document Number	2018/1649
Book / Page	2018 / 1649
Instrument Date	Jun 21, 2018
Instrument	000000001649
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
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	909 E 9TH ST, SPENCER, IA 51301-4747

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	$2,372.00 (+6.85%)	$154,950 (+11.78%) Land $20,000 Building $134,950	$154,950 (+11.78%) Land $20,000 Building $134,950
2024	$2,220.00 (+5.51%)
2023		$138,620 (+16.09%) Land $14,000 Building $124,620	$138,620 (+16.09%) Land $14,000 Building $124,620
2022	$2,104.00	$119,410 Land $14,000 Building $105,410
2021			$119,410 Land $14,000 Building $105,410

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.8% of the US · lower than 98.1% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 231 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	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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