Clay County property record for 921 E 9th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 960 sqft · built 1910 |
| Lot Size | 0.195 acres (8,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Jan 2021) |
| Tax Bill | $1,688 (2024) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607431016 |
| Primary APN | 963607431016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 468 sqft |
| Basement Area | 492 sqft |
| Game Room | Game Room |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Asbestos |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 8,520 sqft (0.195 acres) |
| Lot Dimensions | 142 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Water Source | Commercial |
| Street Address | 921 E 9TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 14 & W 10' 15 6 2ND COLLEGE |
| 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 963607431016
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 | 921 E 9TH ST, SPENCER, IA 51301-4747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 01, 2023 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Jan 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 22, 2021 · Amount on Record |
| Deed Sale | Jan 22, 2021 · Amount on Record |
| Prior Sale | Jun 10, 2005 · Amount on Record |
| Deed Document Number | 2021 0194 |
| Deed Book / Page | 2021 / 194 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 921 E 9TH ST, SPENCER, IA 51301-4747 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|---|
| Address | 921 E 9TH ST, SPENCER, IA 51301-4747 |
| Document Number | 02023/2744 |
|---|---|
| Date | Dec 01, 2023 |
| Book Page | 2023/2744 |
| Instrument | 2023 2744 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63120 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jan 22, 2021 |
| Property Address | 921 E 9TH ST, SPENCER, IA 51301-4747 |
| Document Number | 002021/194 |
| Book / Page | 2021 / 194 |
| Instrument Date | Dec 28, 2020 |
| Instrument | 2021 0194 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 921 E 9TH ST, SPENCER, IA 51301-4747 |
| Document Number | 002021/195 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 2021/195 |
| Instrument | 2021 0195 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated May 1, 2025 · Last verified October 2025
| 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 | $118,500 (+12.35%) Land $24,000 Building $94,500 | $118,500 (+12.35%) Land $24,000 Building $94,500 | |
| 2024 | $1,688.00 (+6.7%) | ||
| 2023 | $105,470 (+17.48%) Land $16,800 Building $88,670 | $105,470 (+17.48%) Land $16,800 Building $88,670 | |
| 2022 | $1,582.00 | $89,780 Land $16,800 Building $72,980 | |
| 2021 | $89,780 Land $16,800 Building $72,980 |
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 98% of the US · lower than 82% of Iowa |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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