1102 E 18th St, Spencer, IA 51301 Property Records

Clay County property record for 1102 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 1,800 sqft · built 2003
Lot Size	0.369 acres (16,060 sqft)
Owner	2 Individual Names on Record
Last Sale	$356,000 (Sep 2022)
Tax Bill	$6,128 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`963608102027`

Property Details

APN / Parcel Number

Primary APN	`963608102027`
Alternative APN	`68296360810202700`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
Basement Area	1,800 sqft
Finished Basement	1,327 sqft
Unfinished Basement	1,800 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,060 sqft (0.369 acres)
Lot Dimensions	110 ft deep x 146 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	161 sqft
Deck Area	344 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1102 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 & N 25' 2 GROEN'S 1ST ADD
Legal Range	36W
Legal Township	96N
Legal Section	8
Legal Subdivision	GROEN'S 1ST ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1014
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	2 Individual Names on Record
Mailing Address	1102 E 18TH ST, SPENCER, IA 51301-4717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Mar 27, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on Record
Deed Sale	Sep 23, 2022 · Amount on Record
Deed Document Number	20222513
Deed Book / Page	2022 / 2513
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 23, 2022
Property Address	1102 E 18TH ST, SPENCER, IA 51301-4717
Document Number	02022/2513
Book / Page	2022 / 2513
Instrument Date	Sep 20, 2022
Instrument	2022 2513
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$568.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 E 18TH ST, SPENCER, IA 51301-4717
Investor	Possibly a Property Investor

Mortgage

Document Number	0020222514
Date	Sep 23, 2022
Instrument	2022 2514

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 27, 2018
Property Address	1102 E 18TH ST, SPENCER, IA 51301-4717
Document Number	2018/706
Book / Page	2018 / 706
Instrument Date	Mar 26, 2018
Instrument	000000000706
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 E 18TH ST, SPENCER, IA 51301-4717

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	$6,128.00 (+4.32%) Homeowner's exemption	$411,110 (+9%) Land $53,730 Building $357,380	$411,110 (+9%) Land $53,730 Building $357,380
2024	$5,874.00 (+3.42%)
2023		$377,150 (+16.97%) Land $42,980 Building $334,170	$377,150 (+16.97%) Land $42,980 Building $334,170
2022	$5,680.00	$322,430 Land $42,980 Building $279,450
2021			$322,430 Land $42,980 Building $279,450

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	7 (1993–2024)
Most Recent Claim	Jun 2024 · Severe Storms, Flooding, Straight-line Winds, And Tornadoes
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 98% of the US · lower than 82% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 363 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 · Fiber in parts of the area	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Nextlink, Verizon.

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