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

Clay County property record for 701 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Religious, Church, Worship (Synagogue, Temple, Parsonage)
Details	2,820 sqft · built 1974
Lot Size	7.25 acres (315,700 sqft)
Owner	Company Name on Record
Last Sale	$725,000 (Feb 2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963606476002`

Property Details

APN / Parcel Number

Primary APN	`963606476002`
Alternative APN	`64096360647600200`

Interior

Stories	1 Story
Building Area	2,820 sqft Adjusted Area
Gross Area	30,862 sqft
Flooring	Tile

Exterior

Year Built	Built 1974
Exterior Material	Brick
Roof Material	Rolled Roofing
Lot Area	315,700 sqft (7.25 acres)
Lot Dimensions	770 ft deep x 410 ft wide
Fence	Fence

Utilities, Heating & Cooling

Heating System	Forced Air
Water Source	Commercial

Location & Zoning

Old Parcel Number	64096360647600200
Street Address	701 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4602
Property Category	Other
Property Type	Other > Religious, Church, Worship (Synagogue, Temple, Parsonage)
Local Zoning Code	SPENCER RESID
Legal Description	S 7.5 ACRES OF W 12 ACRES SE SE 6-96-36 L & I
Legal Range	36
Legal Township	17
Legal Section	06
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	1
Census Block	1005
Census Tract	80200

Owner

Source: Clay County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1811 24TH AVE W, SPENCER, IA 51301-2656
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK
Jan 16, 2026	Deed of Trust, Mortgage MUNICIPAL ELECTRIC UTILITY OF THE CITY O

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2025 · Amount on Record
Deed Sale	Feb 21, 2025 · Amount on Record
Deed Document Number	0002025485
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	701 E 18TH ST, SPENCER, IA 51301-4602
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002026/161
Date	Jan 15, 2026
Book Page	2026/161
Instrument	2026 161

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	701 E 18TH ST, SPENCER, IA 51301-4602
Transaction Type	Mortgage
Record Updated	Feb 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 E 18TH ST, SPENCER, IA 51301-4602

Mortgage

Document Number	002026/166
Date	Jan 16, 2026
Book Page	2026/166
Instrument	2026 166

Lender

Name	MUNICIPAL ELECTRIC UTILITY OF THE CITY O
Type	Government Agency
Address	SPENCER, IA 51301

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jan 30, 2036

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 1, 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	Assessed Value	Assessed Market Value
2025	$2,608,730 (+11.06%) Land $289,050 Building $2,319,680	$2,608,730 (+11.06%) Land $289,050 Building $2,319,680
2023	$2,348,880 Land $289,050 Building $2,059,830	$2,348,880 Land $289,050 Building $2,059,830

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Iowa
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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