Clay County property record for 3 E 18th St, Spencer, IA 51301
| Property Type | Medical Building |
|---|---|
| Details | 2,488 sqft · built 1982 |
| Lot Size | 0.184 acres (8,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $691,000 (Mar 2026) |
| Tax Bill | $7,128 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606378009 |
| Primary APN | 963606378009 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,488 sqft Gross Area |
| Basement Area | 2,488 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick Veneer |
| Roof Material | Shingle |
| Lot Area | 8,000 sqft (0.184 acres) |
| Lot Dimensions | 100 ft deep x 80 ft wide |
| Heating System | Forced Air with A/C |
|---|---|
| Water Source | Commercial |
| Street Address | 3 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-3441 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Medical Building |
| Local Zoning Code | C-2 HIGHWA |
| Legal Description | TR 80 X 100 BULLOCK'S 2ND ADD |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 6 |
| Legal Subdivision | BULLOCKS 2ND ADDITION |
| Legal Tract | 80,100 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SPENCER |
| Census Block Group | 1 |
| Census Block | 1023 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 114, SPENCER, IA 51301-0114 |
| Owner Type | Individual |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 27, 2026 · Amount on Record |
| Deed Sale | Mar 27, 2026 · Amount on Record |
| Deed Document Number | 2026685 |
| Deed Book / Page | 2026 / 685 |
| Record Updated | Oct 29, 2026 |
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 | $7,128.00 (+8.16%) | $306,130 (+6.34%) Land $20,000 Building $286,130 | $306,130 (+6.34%) Land $20,000 Building $286,130 |
| 2024 | $6,590.00 (+17.64%) | ||
| 2023 | $287,890 (+14.25%) Land $56,320 Building $231,570 | $287,890 (+14.25%) Land $56,320 Building $231,570 | |
| 2022 | $5,602.00 | $251,990 Land $56,320 Building $195,670 | |
| 2021 | $251,990 Land $56,320 Building $195,670 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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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