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

Clay County property record for 900 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,280 sqft · built 1957
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2021)
Tax Bill	$2,494 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`963607231006`

Property Details

APN / Parcel Number

Primary APN	`963607231006`
Alternative APN	`64096360723100600`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	832 sqft
Basement Area	1,280 sqft
Unfinished Basement	832 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	289 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	28 sqft
Patio Area	180 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	900 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	75' X 322' BEG.358.3 W OF NE COR THE W 75 TH S322' E75' N322' TO BEG. NENE 7-96-36
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	L & I
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3000
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	900 E 18TH ST, SPENCER, IA 51301-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on Record
Deed Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	20212633
Deed Book / Page	2021 / 2633
Prior Transfer Date	Jun 25, 2021
Prior Transfer Doc	0000002122
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	900 E 18TH ST, SPENCER, IA 51301-4736
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/2124
Date	Jul 2, 2021
Book Page	2021/2124
Instrument	2021 2124

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Aug 18, 2021
Property Address	900 E 18TH ST, SPENCER, IA 51301-4736
Document Number	2021/2633
Book / Page	2021 / 2633
Instrument Date	Aug 11, 2021
Instrument	2021 2633
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 E 18TH ST, SPENCER, IA 51301-4736

Mortgage

Document Number	2021263420212634
Date	Aug 18, 2021
Instrument	2021 263420212634

Lender

Name	PEOPLES BANK

Agreement

Type	Conventional Mortgage
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	$2,494.00 (+5.59%)	$162,840 (+10.36%) Land $35,700 Building $127,140	$162,840 (+10.36%) Land $35,700 Building $127,140
2024	$2,362.00 (+5.45%)
2023		$147,550 (+16.01%) Land $28,560 Building $118,990	$147,550 (+16.01%) Land $28,560 Building $118,990
2022	$2,240.00 Homeowner's exemption	$127,190 Land $28,560 Building $98,630
2021			$127,190 Land $28,560 Building $98,630

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 98% of the US · lower than 82% 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