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

Clay County property record for 528 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1961
Lot Size	0.209 acres (9,090 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Sep 2021)
Tax Bill	$2,510 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`963607203004`

Property Details

APN / Parcel Number

Primary APN	`963607203004`
Alternative APN	`64096360720300400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Hip
Roof Material	Shingle
Lot Area	9,090 sqft (0.209 acres)
Lot Dimensions	101 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Deck Area	196 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	528 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4630
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 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	Individual Name on Record
Mailing Address	528 E 18TH ST, SPENCER, IA 51301-4630
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST BANK
Sep 24, 2021	Warranty Deed, Transfer
Dec 21, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Deed Document Number	20213009
Deed Book / Page	2021 / 3009
Prior Transfer Date	Nov 4, 2020
Prior Transfer Doc	2020/4064
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	528 E 18TH ST, SPENCER, IA 51301-4630
Transaction Type	Mortgage
Record Updated	Feb 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002022/66
Date	Jan 5, 2022
Book Page	2022/66
Instrument	2022 0066

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Sep 24, 2021
Property Address	528 E 18TH ST, SPENCER, IA 51301-4630
Document Number	02021/3009
Book / Page	2021 / 3009
Instrument Date	Sep 17, 2021
Instrument	2021 3009
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Tax	$143.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 E 18TH ST, SPENCER, IA 51301-4630

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IA
Recording Date	Dec 21, 2020
Property Address	528 E 18TH ST, SPENCER, IA 51301-4630
Document Number	2020/4064
Book / Page	2020 / 4064
Instrument Date	Nov 4, 2020
Instrument	2020 4064
Transaction Type	Transfer
Record Updated	Nov 25, 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	209 12TH AVE W, SPENCER, IA 51301-3048

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	$2,510.00 (+4.32%) Homeowner's exemption	$174,850 (+8.92%) Land $32,040 Building $142,810	$174,850 (+8.92%) Land $32,040 Building $142,810
2024	$2,406.00 (+6.74%)
2023		$160,530 (+17.33%) Land $25,630 Building $134,900	$160,530 (+17.33%) Land $25,630 Building $134,900
2022	$2,254.00	$136,820 Land $25,630 Building $111,190
2021			$136,820 Land $25,630 Building $111,190

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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