Clay County property record for 301 E 18th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,860 sqft · built 1920 |
| Lot Size | 0.808 acres (35,175 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Aug 2014) |
| Tax Bill | $4,018 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 963606454020 |
| Primary APN | 963606454020 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Basement Area | 1,860 sqft |
| Finished Basement | 200 sqft |
| Unfinished Basement | 1,860 sqft |
| Game Room | Game Room |
| Flooring | Hardwood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 35,175 sqft (0.808 acres) |
| Garage Type | Attached |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Patio Area | 252 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 301 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-2354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EXC E 90' 7 AUD PLT 9 & EXC E 90' 9 2 SPENCER N SIDE HGTS |
| 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 |
301 E 18th St is owned and occupied by two individuals who bought it in August 2014.
Source: Clay County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 301 E 18TH ST, SPENCER, IA 51301-2354 |
| 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 |
|---|---|
| Last Sale | Aug 4, 2014 · Amount on File |
| Deed Sale | Aug 4, 2014 · Amount on File |
| Deed Document Number | 20141950 |
| Deed Book / Page | 2014 / 1950 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 301 E 18th St was $4,018, up 3.3% 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 | $4,018.00 (+3.29%) | $262,340 Land $52,790 Building $209,550 | $262,340 Land $52,790 Building $209,550 |
| 2024 | $3,890.00 | ||
| 2023 | $243,000 (+15.84%) Land $42,230 Building $200,770 | $243,000 Land $42,230 Building $200,770 | |
| 2022 | $3,696.00 | $209,770 Land $42,230 Building $167,540 | |
| 2021 | $209,770 Land $42,230 Building $167,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 301 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 301 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures