Clay County property record for 916 9th Ave E, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,840 sqft · built 1954 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,500 (May 2025) |
| Tax Bill | $3,584 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage Aug 2022 Mortgage + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607431002 |
| Primary APN | 963607431002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,840 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| 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 | 100 ft deep x 71 ft wide |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 916 9TH AVE E |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 1/2 7-8 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 963607431002
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 | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 08, 2025 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Aug 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| May 23, 2018 | Deed of Trust, Mortgage STATE FARM BANK |
| Apr 10, 2018 | Deed of Trust, Mortgage STATE FARM BANK |
| Jun 26, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance STATE FARM BANK FSB |
| Jul 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK MIDWEST NA |
| Sep 23, 2022 | Warranty Deed, Transfer |
| Nov 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK MIDWEST NA |
| Apr 10, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 08, 2025 · Amount on Record |
| Deed Sale | May 08, 2025 · Amount on Record |
| Prior Sale | Jul 05, 2024 · Amount on Record |
| Deed Document Number | 20251079 |
| Deed Book / Page | 2025 / 1079 |
| Prior Transfer Date | Apr 03, 2018 |
| Prior Transfer Doc | 002018/868 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | May 08, 2025 |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 02025/1079 |
| Book / Page | 2025 / 1079 |
| Instrument Date | Apr 30, 2025 |
| Instrument | 2025 1079 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $376.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 0020251080 |
|---|---|
| Date | May 08, 2025 |
| Instrument | 2025 1080 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02022/2232 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | 2022/2232 |
| Instrument | 2022 2232 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002018/0000001353 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 0000002018/0000001353 |
| Instrument | 000000001353 |
| Name | STATE FARM BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 296 Months |
| Due | Jan 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002018/0000000869 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 0000002018/0000000869 |
| Instrument | 000000000869 |
| Name | STATE FARM BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 237 Months |
| Due | Jan 01, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02019/1613 |
|---|---|
| Date | Jun 26, 2019 |
| Book Page | 2019/1613 |
| Instrument | 1613 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 02022/1879 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 2022/1879 |
| Instrument | 2022 1879 |
| Name | BANK MIDWEST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 30, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Sep 23, 2022 |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 02022/2521 |
| Book / Page | 2022 / 2521 |
| Instrument Date | Sep 19, 2022 |
| Instrument | 2022 2521 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 254, SPENCER, IA 51301-0254 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Nov 10, 2020 |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 02020/3477 |
| Book / Page | 2020 / 3477 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 2020 3477 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 02020/3478 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 2020/3478 |
| Instrument | 2020 3478 |
| Name | BANK MIDWEST NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Apr 10, 2018 |
| Property Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Document Number | 002018/868 |
| Book / Page | 2018 / 868 |
| Instrument Date | Apr 03, 2018 |
| Instrument | 000000000868 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 916 9TH AVE E, SPENCER, IA 51301-4918 |
| Investor | Possibly a Property Investor |
Source: Clay County records · Assessment roll updated September 30, 2025 · Last verified April 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 | $3,584.00 Homeowner's exemption | $257,560 (+10.05%) Land $24,990 Building $232,570 | $257,560 (+10.05%) Land $24,990 Building $232,570 |
| 2024 | $3,584.00 (+7.95%) | ||
| 2023 | $234,040 (+24.15%) Land $17,490 Building $216,550 | $234,040 (+24.15%) Land $17,490 Building $216,550 | |
| 2022 | $3,320.00 | $188,520 Land $17,490 Building $171,030 | |
| 2021 | $188,520 Land $17,490 Building $171,030 |
Source: FEMA National Flood Hazard Layer as of February 21, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Communications Utility Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: AMG Technology Investment Group, LTD Broadband, Verizon.
Based on FCC filings for 231 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPENCER MUNICIPAL WATER UTILITY serves 11,325 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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