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

Clay County property record for 407 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1962
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2023)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606454017`

Property Details

APN / Parcel Number

Primary APN	`963606454017`
Alternative APN	`64096360645401700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Basement Area	1,320 sqft
Finished Basement	650 sqft
Unfinished Basement	1,320 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	170 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	165 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	407 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	11 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	407 E 18TH ST, SPENCER, IA 51301-2356
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS SAVINGS BANK
May 1, 2023	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023 · Amount on Record
Deed Sale	May 1, 2023 · Amount on Record
Deed Document Number	2023765
Deed Book / Page	2023 / 765
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	407 E 18TH ST, SPENCER, IA 51301-2356
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2742
Date	Oct 17, 2022
Book Page	2022/2742
Instrument	2022 2742

Lender

Name	FARMERS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 1, 2023
Property Address	407 E 18TH ST, SPENCER, IA 51301-2356
Document Number	002023/765
Book / Page	2023 / 765
Instrument Date	Mar 22, 2023
Instrument	2023 765
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 E 18TH ST, SPENCER, IA 51301-2356

Mortgage

Document Number	0002023766
Date	May 1, 2023
Instrument	2023 766

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

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	$2,328.00 (+5.91%)	$152,080 (+10.81%) Land $31,800 Building $120,280	$152,080 (+10.81%) Land $31,800 Building $120,280
2024	$2,198.00 (-5.83%)
2023		$137,250 (-5.21%) Land $25,440 Building $111,810	$137,250 (-5.21%) Land $25,440 Building $111,810
2022	$2,334.00 Homeowner's exemption	$144,790 Land $25,440 Building $119,350
2021			$144,790 Land $25,440 Building $119,350

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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