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

Clay County property record for 917 E 9th St, Spencer, IA 51301 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,185 sqft · built 1953
Lot Size	0.162 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$176,000 (Jul 2024)
Tax Bill	$2,714 (2024)
Deeds & Mortgages	May 2018 Line of Credit Apr 2020 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`963607431011`

Property Details

APN / Parcel Number

Primary APN	`963607431011`
Alternative APN	`64096360743101100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,185 sqft Living Area
1st Floor Area	849 sqft
Basement Area	849 sqft
Finished Basement	350 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1953
Exterior Material	Vinyl
Construction Type	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	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Patio Area	300 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360743101100
Street Address	917 E 9TH ST
City	SPENCER
State	IA
Zip	51301-4747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 6 2ND COLLEGE
Legal Range	36
Legal Township	17
Legal Section	07
Legal Subdivision	COLLEGE 2ND ADDITION
Legal Lot Number	13
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3057
Census Tract	80200

Owner

Source: Clay County records · APN 963607431011

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	917 E 9TH ST, SPENCER, IA 51301-4747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 04, 2018	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Apr 03, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED COMMUNITY BANK
Jul 22, 2010	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Mar 06, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Mar 06, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
May 20, 2021	Warranty Deed, Transfer
Mar 06, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK
Apr 17, 2008	Legal Action/Court Order, Foreclosure · FHA Mortgage COUNTRYWIDE BANK FSB

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	Mar 06, 2017 · Amount on Record
Deed Document Number	0020241468
Deed Book / Page	2021 / 1557
Prior Transfer Date	May 20, 2021
Prior Transfer Doc	2021 1557
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000001105
Date	May 04, 2018
Book Page	0000002018/0000001105
Instrument	000000001105

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002020/834
Date	Apr 03, 2020
Book Page	2020/834
Instrument	834

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02010/1860
Date	Jul 22, 2010
Book Page	2010/1860
Instrument	2010 1860

Lender

Name	COMMUNITY STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 01, 2015

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002017/546
Date	Mar 06, 2017
Book Page	2017/546
Instrument	0546

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HARTLEY, IA 51346

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Transaction Type	Mortgage
Record Updated	Aug 09, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002017/546
Date	Mar 06, 2017
Book Page	2017/546
Instrument	0546

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HARTLEY, IA 51346

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 20, 2021
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Document Number	02021/1557
Book / Page	2021 / 1557
Instrument Date	May 14, 2021
Instrument	2021 1557
Transaction Type	Transfer
Record Updated	Aug 09, 2022

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 E 9TH ST, SPENCER, IA 51301-4747

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 06, 2017
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Document Number	02017/0545
Book / Page	2017 / 0545
Instrument Date	Feb 24, 2017
Instrument	2017 0545
Transaction Type	Transfer
Record Updated	Aug 09, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$152.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	917 E 9TH ST, SPENCER, IA 51301-4747

Mortgage

Document Number	02017/0546
Date	Mar 06, 2017
Book Page	2017/0546
Instrument	2017 0546

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	HARTLEY, IA 51346

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2047

April 2008: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Apr 17, 2008
Property Address	917 E 9TH ST, SPENCER, IA 51301-4747
Document Number	02008/1045
Book / Page	2008 / 1045
Instrument Date	Feb 13, 2008
Instrument	2008 1045
Transaction Type	Foreclosure
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Tax	$131.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	917 E 9TH ST, SPENCER, IA 51301-4747

Mortgage

Document Number	0020081046
Date	Apr 17, 2008
Instrument	2008 1046

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 01, 2038

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		$188,920 (+16.93%) Land $20,000 Building $168,920	$188,920 (+16.93%) Land $20,000 Building $168,920
2024	$2,714.00 (+19.98%)
2023		$161,560 (+17.7%) Land $14,000 Building $147,560	$161,560 (+17.7%) Land $14,000 Building $147,560
2022	$2,262.00	$137,260 Land $14,000 Building $123,260
2021			$137,260 Land $14,000 Building $123,260

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	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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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