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

Clay County property record for 704 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,236 sqft · built 1976
Lot Size	0.26 acres (11,330 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,500 (Jun 2026)
Tax Bill	$2,568 (2025)
Deeds & Mortgages	Jun 2026 Sale Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607226001`

Property Details

APN / Parcel Number

Primary APN	`963607226001`
Alternative APN	`64096360722600100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Basement Area	1,236 sqft
Unfinished Basement	1,236 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,330 sqft (0.26 acres)
Lot Dimensions	103 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	704 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 1 BALDWIN HGHTS
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	BALDWIN HEIGHTS
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3001
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	704 E 18TH ST, SPENCER, IA 51301-4601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Fiduciary Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Deed Document Number	20261469
Deed Book / Page	2026 / 1469
Record Updated	Oct 29, 2026

June 2026: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	CLAY IA
Recording Date	Jun 18, 2026
Property Address	704 E 18TH ST, SPENCER, IA 51301-4601
Document Number	0000001469
Book / Page	2026 / 1469
Instrument Date	Jun 16, 2026
Instrument	20261469
Transaction Type	Transfer
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$28,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E 18TH ST, SPENCER, IA 51301-4601

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	704 E 18TH ST, SPENCER, IA 51301-4601
Transaction Type	Mortgage
Record Updated	Nov 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 E 18TH ST, SPENCER, IA 51301-4601

Mortgage

Document Number	02023/2127
Date	Sep 22, 2023
Book Page	2023/2127
Instrument	2023 2127

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

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	$2,568.00 (+5.77%) Homeowner's exemption	$178,640 (+10.33%) Land $39,600 Building $139,040	$178,640 (+10.33%) Land $39,600 Building $139,040
2024	$2,428.00 (+4.66%)
2023		$161,910 (+15.17%) Land $31,680 Building $130,230	$161,910 (+15.17%) Land $31,680 Building $130,230
2022	$2,320.00 Homeowner's exemption	$140,580 Land $31,680 Building $108,900
2021			$140,580 Land $31,680 Building $108,900

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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