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

Clay County property record for 520 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,264 sqft · built 1970
Lot Size	0.208 acres (9,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,500 (May 2022)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`963607203003`

Property Details

APN / Parcel Number

Primary APN	`963607203003`
Alternative APN	`64096360720300300`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	325 sqft
Unfinished Basement	1,144 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,045 sqft (0.208 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5 1 ELMWOOD
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	ELMWOOD ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3002
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	520 E 18TH ST, SPENCER, IA 51301-4630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Jan 6, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Deed Document Number	20221298
Deed Book / Page	2022 / 1298
Prior Transfer Date	Dec 30, 2020
Prior Transfer Doc	2021/34
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 18, 2022
Property Address	520 E 18TH ST, SPENCER, IA 51301-4630
Document Number	02022/1298
Book / Page	2022 / 1298
Instrument Date	May 9, 2022
Instrument	2022 1298
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.20
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	520 E 18TH ST, SPENCER, IA 51301-4630
Investor	Possibly a Property Investor

Mortgage

Document Number	02022/1299
Date	May 18, 2022
Book Page	2022/1299
Instrument	2022 1299

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	7%
Index	1-Year CMT

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Jan 6, 2021
Property Address	520 E 18TH ST, SPENCER, IA 51301-4630
Document Number	2021/34
Book / Page	2021 / 34
Instrument Date	Dec 30, 2020
Instrument	2021 0034
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 E 18TH ST, SPENCER, IA 51301-4630

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	$3,006.00 (+5.1%) Homeowner's exemption	$207,170 (+9.7%) Land $31,680 Building $175,490	$207,170 (+9.7%) Land $31,680 Building $175,490
2024	$2,860.00 (+6.56%)
2023		$188,860 (+17.16%) Land $25,340 Building $163,520	$188,860 (+17.16%) Land $25,340 Building $163,520
2022	$2,684.00 Homeowner's exemption	$161,200 Land $25,340 Building $135,860
2021			$161,200 Land $25,340 Building $135,860

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

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

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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