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

Clay County property record for 417 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,120 sqft · built 1962
Lot Size	0.167 acres (7,260 sqft)
Owner	2 Individual Names on Record
Last Sale	$30,000 (Sep 2023)
Tax Bill	$2,466 (2025)
Deeds & Mortgages	Sep 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`963606454019`

Property Details

APN / Parcel Number

Primary APN	`963606454019`
Alternative APN	`64096360645401900`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	500 sqft
Unfinished Basement	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Metal
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	110 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	417 E 18TH ST
City	SPENCER
State	IA
Zip	51301-2356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13 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	106 W 16TH ST, SPENCER, IA 51301-3424
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2023 · Amount on Record
Deed Sale	Sep 7, 2023 · Amount on Record
Deed Document Number	20232018
Prior Transfer Date	Feb 18, 2010
Prior Transfer Doc	2010/0438
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 7, 2023
Property Address	417 E 18TH ST, SPENCER, IA 51301-2356
Document Number	02023/2018
Book / Page	2023 / 2018
Instrument Date	Sep 7, 2023
Instrument	2023 2018
Transaction Type	Transfer
Record Updated	Nov 6, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$47.20
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	415 1ST ST, DICKENS, IA 51333-7916

Mortgage

Document Number	0020232142
Date	Sep 7, 2023
Instrument	2023 2142

Lender

Name	BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 7, 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	$2,466.00 (+5.66%)	$161,070 (+10.5%) Land $24,290 Building $136,780	$161,070 (+10.5%) Land $24,290 Building $136,780
2024	$2,334.00 (+5.8%)
2023		$145,770 (+16.36%) Land $19,430 Building $126,340	$145,770 (+16.36%) Land $19,430 Building $126,340
2022	$2,206.00	$125,270 Land $19,430 Building $105,840
2021			$125,270 Land $19,430 Building $105,840

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.

Nearby Properties on E 18th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures