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

Clay County property record for 320 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,224 sqft · built 1953
Lot Size	0.508 acres (22,125 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Apr 2007)
Tax Bill	$4,004 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607201011`

Property Details

APN / Parcel Number

Primary APN	`963607201011`
Alternative APN	`64096360720101100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,224 sqft Living Area
1st Floor Area	884 sqft
Basement Area	884 sqft
Finished Basement	500 sqft
Unfinished Basement	884 sqft
Game Room	Game Room
Sunroom	Sunroom
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Colonial
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,125 sqft (0.508 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Patio Area	689 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-22 1 TRIPP
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	TRIPP'S ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3004
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	320 E 18TH ST, SPENCER, IA 51301-2355
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FARMERS TRUST & SAVINGS BANK
Jul 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS TRUST & SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2007 · Amount on Record
Deed Sale	Apr 6, 2007 · Amount on Record
Deed Document Number	2007989
Deed Book / Page	2007 / 989
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	320 E 18TH ST, SPENCER, IA 51301-2355
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002021/961
Date	Mar 29, 2021
Book Page	2021/961
Instrument	2021 961

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 10, 2019
Property Address	320 E 18TH ST, SPENCER, IA 51301-2355
Document Number	02019/1758
Book / Page	2019 / 1758
Instrument Date	Jul 8, 2019
Instrument	1758
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 E 18TH ST, SPENCER, IA 51301-2355

Mortgage

Document Number	02019/1759
Date	Jul 10, 2019
Book Page	2019/1759
Instrument	1759

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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	$4,004.00 (-16.04%) Homeowner's exemption	$272,420 (+13.85%) Land $48,960 Building $223,460	$272,420 (+13.85%) Land $48,960 Building $223,460
2024	$4,769.00 (+2.03%)
2023		$239,280 (+15.82%) Land $34,270 Building $205,010	$239,280 (+15.82%) Land $34,270 Building $205,010
2022	$4,674.00 Homeowner's exemption	$206,600 Land $34,270 Building $172,330
2021			$206,600 Land $34,270 Building $172,330

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 363 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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