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

Clay County property record for 620 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,536 sqft · built 1974
Lot Size	0.259 acres (11,275 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Apr 2023)
Tax Bill	$4,784 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607203007`

Property Details

APN / Parcel Number

Primary APN	`963607203007`
Alternative APN	`64096360720300700`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Basement Area	1,536 sqft
Finished Basement	1,316 sqft
Unfinished Basement	1,536 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,275 sqft (0.259 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	144 sqft
Patio Area	368 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	620 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 1 ELMWOOD E 10' 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	Individual Name on Record
Mailing Address	620 E 18TH ST, SPENCER, IA 51301-4636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Apr 11, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Nov 16, 2020	Legal Action/Court Order, Foreclosure · Conventional Mortgage NORTHWEST BANK
Apr 29, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2023 · Amount on Record
Deed Sale	Apr 11, 2023 · Amount on Record
Prior Sale	Nov 16, 2020 · Amount on Record
Deed Document Number	2023624
Deed Book / Page	2023 / 624
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	620 E 18TH ST, SPENCER, IA 51301-4636
Transaction Type	Mortgage
Record Updated	Dec 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02023/2437
Date	Oct 24, 2023
Book Page	2023/2437
Instrument	2023 2437

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	114 Months
Due	Apr 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	620 E 18TH ST, SPENCER, IA 51301-4636
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002023/623
Date	Apr 11, 2023
Book Page	2023/623
Instrument	2023 623

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2033

Interest

Rate Type	Adjustable Rate

November 2020: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Nov 16, 2020
Property Address	620 E 18TH ST, SPENCER, IA 51301-4636
Document Number	2020/3562
Book / Page	2020 / 3562
Instrument Date	Nov 16, 2020
Instrument	2020 3562
Transaction Type	Foreclosure
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.20
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 E 18TH ST, SPENCER, IA 51301-4636

Mortgage

Document Number	02020/3563
Date	Nov 16, 2020
Book Page	2020/3563
Instrument	2020 3563

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 16, 2021

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Apr 29, 2019
Property Address	620 E 18TH ST, SPENCER, IA 51301-4636
Document Number	2019/1039
Book / Page	2019 / 1039
Instrument Date	Feb 15, 2019
Instrument	1039
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1113 MCNAUGHTON WAY, SPENCER, IA 51301-2841

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	$4,784.00 (+3.68%) Homeowner's exemption	$323,240 (+8.32%) Land $39,160 Building $284,080	$323,240 (+8.32%) Land $39,160 Building $284,080
2024	$4,614.00 (-3.11%)
2023		$298,410 (+6.89%) Land $31,330 Building $267,080	$298,410 (+6.89%) Land $31,330 Building $267,080
2022	$4,762.00 Homeowner's exemption	$279,170 Land $31,330 Building $247,840
2021			$279,170 Land $31,330 Building $247,840

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.

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