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

Clay County property record for 410 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,452 sqft · built 1954
Lot Size	0.303 acres (13,200 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Aug 2021)
Tax Bill	$3,506 (2025)
Deeds & Mortgages	Feb 2023 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607202001`

Property Details

APN / Parcel Number

Primary APN	`963607202001`
Alternative APN	`64096360720200100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Finished Basement	550 sqft
Unfinished Basement	1,232 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	13,200 sqft (0.303 acres)
Lot Dimensions	88 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	200 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	410 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 2 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	3003
Census Tract	80200

Owner

410 E 18th St is owned and occupied by two individuals who acquired it in February 2023.

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	410 E 18TH ST, SPENCER, IA 51301-2357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Intrafamily Transfer, Transfer
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Mar 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Mar 20, 2019 · Amount on File
Deed Document Number	20212717
Deed Book / Page	2021 / 2717
Last Transfer Date	Feb 24, 2023
Transfer Doc	002023/297
Record Updated	Oct 29, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Feb 27, 2023
Property Address	410 E 18TH ST, SPENCER, IA 51301-2357
Document Number	002023/297
Book / Page	2023 / 297
Instrument Date	Feb 24, 2023
Instrument	2023 297
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	410 E 18TH ST, SPENCER, IA 51301-2357

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 30, 2021
Property Address	410 E 18TH ST, SPENCER, IA 51301-2357
Document Number	02021/2717
Book / Page	2021 / 2717
Instrument Date	Aug 16, 2021
Instrument	2021 2717
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.20
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
Address	410 E 18TH ST, SPENCER, IA 51301-2357

Mortgage

Document Number	02021/2718
Date	Aug 30, 2021
Book Page	2021/2718
Instrument	2021 2718

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Mar 20, 2019
Property Address	410 E 18TH ST, SPENCER, IA 51301-2357
Document Number	2019/638
Book / Page	2019 / 638
Instrument Date	Mar 19, 2019
Instrument	638
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
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	410 E 18TH ST, SPENCER, IA 51301-2357

Mortgage

Document Number	002019/639
Date	Mar 20, 2019
Book Page	2019/639
Instrument	639

Lender

Name	FARMERS NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 410 E 18th St was $3,506 with a homeowner's exemption, down 13.1% from the year before.

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	$3,506.00 (-13.11%) Homeowner's exemption	$239,900 Land $36,900 Building $203,000	$239,900 Land $36,900 Building $203,000
2024	$4,035.00
2023		$219,010 (+18.22%) Land $25,830 Building $193,180	$219,010 Land $25,830 Building $193,180
2022	$3,801.00	$185,260 Land $25,830 Building $159,430
2021			$185,260 Land $25,830 Building $159,430

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

Flood

FEMA maps place 410 E 18th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 410 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 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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