Clay County property record for 1123 E 18th St, Spencer, IA 51301
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,173 sqft · built 2006 |
| Owner | 2 Trust Names on File |
| Tax Bill | $8,036 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963605300701 |
| Primary APN | 963605300701 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,173 sqft Living Area |
| Basement Area | 2,173 sqft |
| Finished Basement | 1,649 sqft |
| Unfinished Basement | 2,173 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick Veneer |
| Construction Type | Brick |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 862 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 1,250 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 80 sqft |
| Deck Area | 284 sqft |
| Patio Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1123 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4740 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | PT SW OF RY NEAR CENTER OF SW QUARTER 5-96-36 |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 5 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 80200 |
1123 E 18th St, a rural home, is owner-occupied and held in a trust.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1123 E 18TH ST, SPENCER, IA 51301-4740 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 1123 E 18th St was $8,036 with a homeowner's exemption, up 2.5% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,036.00 (+2.53%) Homeowner's exemption | $535,710 Building $535,710 | $535,710 Building $535,710 |
| 2024 | $7,838.00 | ||
| 2023 | $499,840 (+18.23%) Building $499,840 | $499,840 Building $499,840 | |
| 2022 | $7,292.00 Homeowner's exemption | $422,770 Building $422,770 | |
| 2021 | $422,770 Building $422,770 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1123 E 18th St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.
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 |
|
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 risk around 1123 E 18th St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 71% 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.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spencer Municipal Utilities Fiber | 1,000 / 1,000 |
| Premier Communications Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| GigFire Fixed Wireless | 100 / 20 |
May also be available: Nextlink, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures