307 E 18th St, Spencer, IA 51301 Property Records

Clay County property record for 307 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,938 sqft · built 1975
Lot Size	0.434 acres (18,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,000 (Jun 2022)
Tax Bill	$5,782 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Apr 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963606454021`

Property Details

APN / Parcel Number

Primary APN	`963606454021`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,938 sqft Living Area
1st Floor Area	1,412 sqft
Basement Area	1,412 sqft
Finished Basement	450 sqft
Unfinished Basement	1,412 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Shed Roof
Lot Area	18,900 sqft (0.434 acres)
Lot Dimensions	210 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	264 sqft
Patio Area	350 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	307 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 90' 7 AUD PLT 9 & 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

Owner

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	307 E 18TH ST, SPENCER, IA 51301-2354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Apr 16, 2018	Deed of Trust, Mortgage NORTHWEST BANK
May 22, 2017	Deed of Trust, Mortgage · Construction Mortgage NORTHWEST BANK
Apr 16, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	20221554
Deed Book / Page	2022 / 1554
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	307 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2910
Date	Sep 22, 2020
Book Page	2020/2910
Instrument	2020 2910

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	307 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000917
Date	Apr 16, 2018
Book Page	0000002018/0000000917
Instrument	000000000917

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	237 Months
Due	Jan 1, 2038

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	307 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Jun 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017/1302
Date	May 22, 2017
Book Page	2017/1302
Instrument	1302

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 17, 2017

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 16, 2018
Property Address	307 E 18TH ST, SPENCER, IA 51301-2354
Document Number	2018/916
Book / Page	2018 / 916
Instrument Date	Apr 12, 2018
Instrument	000000000916
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 E 18TH ST, SPENCER, IA 51301-2354

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,782.00 (+4.75%) Homeowner's exemption	$388,400 (+9.41%) Land $40,320 Building $348,080	$388,400 (+9.41%) Land $40,320 Building $348,080
2024	$5,520.00 (+8.02%)
2023		$354,980 (+18.72%) Land $32,260 Building $322,720	$354,980 (+18.72%) Land $32,260 Building $322,720
2022	$5,110.00 Homeowner's exemption	$299,000 Land $32,260 Building $266,740
2021			$299,000 Land $32,260 Building $266,740

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2014 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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