Clay County property record for 604 E 18th St, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,687 sqft · built 2014 |
| Lot Size | 0.233 acres (10,150 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $217,500 (Feb 2017) |
| Tax Bill | $4,572 (2025) |
| Deeds & Mortgages | Feb 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 963607203005 |
| Primary APN | 963607203005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,687 sqft Living Area |
| Basement Area | 422 sqft |
| Unfinished Basement | 422 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,150 sqft (0.233 acres) |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Patio |
|---|---|
| Porch Area | 262 sqft |
| Deck Area | 48 sqft |
| Patio Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 604 E 18TH ST |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-4636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3 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 |
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 | 604 E 18TH ST, SST, SPENCER, IA 51301-4636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2017 · Amount on Record |
| Deed Sale | Feb 23, 2017 · Amount on Record |
| Deed Document Number | 2017472 |
| Deed Book / Page | 2017 / 472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Feb 23, 2017 |
| Property Address | 604 E 18TH ST, SPENCER, IA 51301-4636 |
| Document Number | 02017/0472 |
| Book / Page | 2017 / 0472 |
| Instrument Date | Jan 23, 2017 |
| Instrument | 2017 0472 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $347.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 E 18TH ST, SPENCER, IA 51301-4636 |
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Municipality | Spencer City |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,572.00 (+2.93%) Homeowner's exemption | $332,970 (+7.48%) Land $35,600 Building $297,370 | $332,970 (+7.48%) Land $35,600 Building $297,370 |
| 2024 | $4,442.00 (+1.65%) | ||
| 2023 | $309,810 (+18.99%) Land $28,480 Building $281,330 | $309,810 (+18.99%) Land $28,480 Building $281,330 | |
| 2022 | $4,370.00 Homeowner's exemption | $260,370 Land $28,480 Building $231,890 | |
| 2021 | $260,370 Land $28,480 Building $231,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 98.1% 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures