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

Clay County property record for 321 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,547 sqft · built 1955
Lot Size	0.312 acres (13,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Sep 2020)
Tax Bill	$4,786 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963606454014`

Property Details

APN / Parcel Number

Primary APN	`963606454014`
Alternative APN	`64096360645401400`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,547 sqft Living Area
1st Floor Area	1,403 sqft
Basement Area	702 sqft
Finished Basement	675 sqft
Unfinished Basement	702 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	13,600 sqft (0.312 acres)
Lot Dimensions	170 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	800 sqft
Porch	Patio
Porch Area	135 sqft
Deck Area	91 sqft
Patio Area	839 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	321 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	8 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

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

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2018	Deed of Trust, Mortgage NORTHWEST BANK
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 2, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 2, 2020 · Amount on Record
Deed Sale	Sep 2, 2020 · Amount on Record
Prior Sale	Jul 28, 2014 · Amount on Record
Deed Document Number	20202681
Deed Book / Page	2020 / 2681
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000002466
Date	Sep 18, 2018
Book Page	0000002018/0000002466
Instrument	000000002466

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	112 Months
Due	Jan 1, 2028

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020/2333
Date	Aug 4, 2020
Book Page	2020/2333
Instrument	2020 2333

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 4, 2021

Interest

Rate Type	Fixed Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	321 E 18TH ST, SPENCER, IA 51301-2354
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021/3887
Date	Dec 13, 2021
Book Page	2021/3887
Instrument	2021 3887

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 15, 2031

Interest

Rate Type	Adjustable Rate

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 2, 2020
Property Address	321 E 18TH ST, SPENCER, IA 51301-2354
Document Number	02020/2681
Book / Page	2020 / 2681
Instrument Date	Aug 4, 2020
Instrument	2020 2681
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 E 18TH ST, SPENCER, IA 51301-2354
Investor	Possibly a Property Investor

Mortgage

Document Number	02020/2682
Date	Sep 2, 2020
Book Page	2020/2682
Instrument	2020 2682

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

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	$4,786.00 (+3.95%) Homeowner's exemption	$323,430 (+8.61%) Land $33,920 Building $289,510	$323,430 (+8.61%) Land $33,920 Building $289,510
2024	$4,604.00 (+7.97%)
2023		$297,800 (+18.68%) Land $27,140 Building $270,660	$297,800 (+18.68%) Land $27,140 Building $270,660
2022	$4,264.00 Homeowner's exemption	$250,930 Land $27,140 Building $223,790
2021			$250,930 Land $27,140 Building $223,790

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 99.1% of the US · lower than 91% of Iowa
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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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