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

Clay County property record for 416 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Apartments (5+ Units)
Details	4,480 sqft · built 1958
Lot Size	0.305 acres (13,275 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit May 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`963607202011`

Property Details

APN / Parcel Number

Primary APN	`963607202011`
Alternative APN	`64096360720201100`

Interior

Stories	2 Stories
Building Area	4,480 sqft Gross Area
Basement Area	630 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Metal
Lot Area	13,275 sqft (0.305 acres)
Lot Dimensions	89 ft deep x 150 ft wide
Porch	Slab
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	416 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2300
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	22 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

416 E 18th St, a residential property, is owned by two individuals.

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	512 EAST ST, TIPTON, IA 52772-1954
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU
May 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNIVERSITY OF IOWA CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	416 E 18TH ST, SPENCER, IA 51301-2300
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 EAST ST, TIPTON, IA 52772-1954

Mortgage

Document Number	02023/2712
Date	Nov 27, 2023
Book Page	2023/2712
Instrument	2023 2712

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 21, 2053

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	416 E 18TH ST, SPENCER, IA 51301-2300
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/1177
Date	May 13, 2019
Book Page	2019/1177
Instrument	1177

Lender

Name	UNIVERSITY OF IOWA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 416 E 18th St was $2,920, down 13.5% 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	$2,920.00 (-13.48%)	$190,670 Land $33,190 Building $157,480	$190,670 Land $33,190 Building $157,480
2024	$3,375.00
2023		$179,150 (+21.43%) Land $27,390 Building $151,760	$179,150 Land $27,390 Building $151,760
2022	$3,142.00	$147,530 Land $27,390 Building $120,140
2021			$147,530 Land $27,390 Building $120,140

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

Flood

FEMA maps place 416 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 416 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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