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

Clay County property record for 612 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,236 sqft · built 1973
Lot Size	0.211 acres (9,180 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2025)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607203006`

Property Details

APN / Parcel Number

Primary APN	`963607203006`
Alternative APN	`64096360720300600`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Basement Area	1,236 sqft
Finished Basement	925 sqft
Unfinished Basement	1,236 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,180 sqft (0.211 acres)
Lot Dimensions	102 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	612 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 90' 2 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	612 E 18TH ST, SPENCER, IA 51301-4636
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit STATE BANK
Dec 22, 2025	Deed of Trust, Mortgage · Line of Credit STATE BANK
Nov 3, 2025	Deed of Trust, Mortgage · Line of Credit STATE BANK
May 21, 2025	Warranty Deed, Transfer · Line of Credit STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2025 · Amount on Record
Deed Sale	May 21, 2025 · Amount on Record
Deed Document Number	20251208
Deed Book / Page	2025 / 1208
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Recording Date	Jun 17, 2026
Property Address	612 E 18TH ST, SPENCER, IA 51301-4636
Document Number	0000001462
Book / Page	2026 / 1462
Instrument Date	Jun 9, 2026
Instrument	20261462
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 E 18TH ST, SPENCER, IA 51301-4636

Mortgage

Document Number	0000001462,
Date	Jun 17, 2026
Book Page	2026/1462
Instrument	20261462

Lender

Name	STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	612 E 18TH ST, SPENCER, IA 51301-4636
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 E 18TH ST, SPENCER, IA 51301-4636

Mortgage

Document Number	02025/3004
Date	Dec 22, 2025
Book Page	2025/3004
Instrument	2025 3004

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	612 E 18TH ST, SPENCER, IA 51301-4636
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02025/2593
Date	Nov 3, 2025
Book Page	2025/2593
Instrument	2025 2593

Lender

Name	STATE BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	May 21, 2025
Property Address	612 E 18TH ST, SPENCER, IA 51301-4636
Document Number	02025/1208
Book / Page	2025 / 1208
Instrument Date	May 20, 2025
Instrument	2025 1208
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$191.20
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	612 E 18TH ST, SPENCER, IA 51301-4636

Mortgage

Document Number	0020251366
Date	May 21, 2025
Instrument	2025 1366

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$2,840.00 (+0.21%)	$196,390 (+10.9%) Land $32,040 Building $164,350	$196,390 (+10.9%) Land $32,040 Building $164,350
2024	$2,834.00 (+6.94%)
2023		$177,080 (+17.68%) Land $25,630 Building $151,450	$177,080 (+17.68%) Land $25,630 Building $151,450
2022	$2,650.00	$150,470 Land $25,630 Building $124,840
2021			$150,470 Land $25,630 Building $124,840

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

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 99.8% 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.

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