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

Clay County property record for 720 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,288 sqft · built 1984
Lot Size	0.215 acres (9,360 sqft)
Owner	Individual Name on Record
Tax Bill	$3,596 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Oct 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`963607226003`

Property Details

APN / Parcel Number

Primary APN	`963607226003`
Alternative APN	`64096360722600300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,288 sqft Living Area
Basement Area	1,288 sqft
Finished Basement	950 sqft
Unfinished Basement	1,288 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,360 sqft (0.215 acres)
Lot Dimensions	104 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	208 sqft
Patio Area	208 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	720 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4 1 BALDWIN HEIGHTS & E 5' 5 1 BALDWIN HEIGHTS
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	Individual Name on Record
Mailing Address	720 E 18TH ST, SPENCER, IA 51301-4601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2018	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Oct 2, 2017	Deed of Trust, Mortgage · Construction Mortgage NORTHWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	720 E 18TH ST, SPENCER, IA 51301-4601
Transaction Type	Mortgage
Record Updated	May 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002018/0000000871
Date	Apr 11, 2018
Book Page	0000002018/0000000871
Instrument	000000000871

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	720 E 18TH ST, SPENCER, IA 51301-4601
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017 2585
Date	Oct 2, 2017
Book Page	2017/2585
Instrument	2017 2585

Lender

Name	NORTHWEST BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Mar 29, 2018

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	$3,596.00 (+3.69%) Homeowner's exemption	$254,720 (+8.25%) Land $32,400 Building $222,320	$254,720 (+8.25%) Land $32,400 Building $222,320
2024	$3,468.00 (+4.52%)
2023		$235,310 (+17.27%) Land $25,920 Building $209,390	$235,310 (+17.27%) Land $25,920 Building $209,390
2022	$3,318.00 Homeowner's exemption	$200,660 Land $25,920 Building $174,740
2021			$200,660 Land $25,920 Building $174,740

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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