Clay County property record for 225 E 18th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,271 sqft · built 1950 |
| Lot Size | 0.332 acres (14,450 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,554 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606382007 |
| Primary APN | 963606382007 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,271 sqft Living Area |
| Basement Area | 953 sqft |
| Finished Basement | 450 sqft |
| Unfinished Basement | 953 sqft |
| Sunroom | Sunroom |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,450 sqft (0.332 acres) |
| Lot Dimensions | 170 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 185 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 225 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6 AUD PLAT 9 |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | AUDITOR'S PLAT 9 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 80200 |
225 E 18th St is owned and occupied by two individuals.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 225 E 18TH ST, SPENCER, IA 51301-2334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 225 E 18TH ST, SPENCER, IA 51301-2334 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000002144 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 0000002018/0000002144 |
| Instrument | 000000002144 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 113 Months |
| Due | Jan 1, 2028 |
The 2025 property tax bill for 225 E 18th St was $3,554 with a homeowner's exemption, up 5.5% 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 | $3,554.00 (+5.46%) Homeowner's exemption | $243,010 Land $36,040 Building $206,970 | $243,010 Land $36,040 Building $206,970 |
| 2024 | $3,370.00 | ||
| 2023 | $220,720 (+16.32%) Land $28,830 Building $191,890 | $220,720 Land $28,830 Building $191,890 | |
| 2022 | $3,186.00 Homeowner's exemption | $189,750 Land $28,830 Building $160,920 | |
| 2021 | $189,750 Land $28,830 Building $160,920 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 225 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 225 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 98% of the US · lower than 82% 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 326 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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