603 E 18th St, #A, Spencer, IA 51301 Property Records

Clay County property record for 603 E 18th St, #A, Spencer, IA 51301

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 784 sqft · built 1994
Lot Size	0.293 acres (12,750 sqft)
Owner	2 Individual Names on File
Last Sale	$128,500 (Sep 2025)
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Sep 2025 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963606456001`

Property Details

APN / Parcel Number

Primary APN	`963606456001`
Alternative APN	`64096360645600100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	784 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Condo/Apartment
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,750 sqft (0.293 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	603 E 18TH ST, A
City	SPENCER
State	IA
Zip	51301-4650
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	5 SP NO SIDE HGTS 2ND ADD; W 5' BLK 1 SP NO SIDE HGTS 3RD APT A EAST 18TH STREET CONDOMINIUM UNIT #1
Legal Range	36W
Legal Township	96N
Legal Section	6
Legal Subdivision	SPENCER NORTH SIDE HEIGHTS 2ND
Legal Block	1
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

603 E 18th St, #A is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	603 E 18TH ST, A, SPENCER, IA 51301-4650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2025 · Amount on File
Deed Sale	Sep 18, 2025 · Amount on File
Deed Document Number	20252221
Deed Book / Page	2025 / 2221
Record Updated	Oct 29, 2026

September 2025: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Sep 18, 2025
Property Address	603 E 18TH ST # A, A, SPENCER, IA 51301-4650
Document Number	02025/2221
Book / Page	2025 / 2221
Instrument Date	Sep 17, 2025
Instrument	2025 2221
Transaction Type	Foreclosure
Record Updated	Oct 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.80
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	603 E 18TH ST # A, A, SPENCER, IA 51301-4650

Mortgage

Document Number	0020252222
Date	Sep 18, 2025
Instrument	2025 2222

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 18, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 603 E 18th St, #A was $1,702 with a homeowner's exemption, up 15.8% 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	$1,702.00 (+15.78%) Homeowner's exemption	$122,080 Land $17,340 Building $104,740	$122,080 Land $17,340 Building $104,740
2024	$1,470.00
2023		$102,000 (+16.65%) Land $13,870 Building $88,130	$102,000 Land $13,870 Building $88,130
2022	$1,040.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$87,440 Land $13,870 Building $73,570
2021			$87,440 Land $13,870 Building $73,570

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

Flood

FEMA maps place 603 E 18th St, #A in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1993.

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

Wildfire risk around 603 E 18th St, #A 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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