Clay County property record for 1509 E 18th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 1,909 sqft · built 2009 |
| Lot Size | 1.86 acres (81,022 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,814 (2025) |
| Deeds & Mortgages | Oct 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 963605376001 |
| Primary APN | 963605376001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Building Area | 1,909 sqft Living Area |
| Basement Area | 1,909 sqft |
| Finished Basement | 1,609 sqft |
| Unfinished Basement | 1,909 sqft |
| Game Room | Game Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Split Foyer |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 81,022 sqft (1.86 acres) |
| Garage Type | Mixed |
| Garage Area | 2,232 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 56 sqft |
| Deck Area | 280 sqft |
| Patio Area | 280 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Geothermal |
| Water Source | Commercial |
| Street Address | 1509 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 BRANT'S 1ST ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 5 |
| Legal Subdivision | BRANT'S FIRST ADDN |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 80200 |
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 | 1509 E 18TH ST, SPENCER, IA 51301-4712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 1509 E 18TH ST, SPENCER, IA 51301-4712 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/2844 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 2019/2844 |
| Instrument | 2844 |
| Name | COMMUNITY STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Nov 1, 2024 |
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 | $7,814.00 (+1.53%) Homeowner's exemption | $521,120 (+6.15%) Land $62,600 Building $458,520 | $521,120 (+6.15%) Land $62,600 Building $458,520 |
| 2024 | $7,696.00 (+9.91%) | ||
| 2023 | $490,910 (+20.82%) Land $61,370 Building $429,540 | $490,910 (+20.82%) Land $61,370 Building $429,540 | |
| 2022 | $7,002.00 Homeowner's exemption | $406,320 Land $48,280 Building $358,040 | |
| 2021 | $406,320 Land $48,280 Building $358,040 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 6 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 | 1,000 / 50 |
| Nextlink Fixed Wireless | 500 / 100 |
May also be available: GigFire, Verizon.
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