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

Clay County property record for 905 E 18th St, Spencer, IA 51301

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,068 sqft · built 1920
Lot Size0.347 acres (15,120 sqft)
Owner2 Individual Names on Record
Last Sale$72,000 (May 2006)
Tax Bill$1,422 (2025)
Deeds & MortgagesAug 2021 Transfer
Aug 2021 Transfer
Flood ZoneZone X (minimal risk)
APN963606476015

Property Details

APN / Parcel Number

Primary APN963606476015
Alternative APN
  • 64096360647601500

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories1 Story
Building Area1,068 sqft Living Area
1st Floor Area720 sqft
AtticAttic
Attic Area252 sqft
Basement Area360 sqft
Finished Basement300 sqft
Unfinished Basement360 sqft
Game RoomGame Room
FlooringCarpet
Interior WallsPlaster

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleCape Cod
Exterior MaterialStucco
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area15,120 sqft (0.347 acres)
Lot Dimensions280 ft deep x 54 ft wide

Exterior Amenities

PorchPorch
Porch Area306 sqft
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Water SourceCommercial

Location & Zoning

Street Address905 E 18TH ST
CitySPENCER
StateIA
Zip51301-4737
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTRACT 50' X 300' IN SE COR W 1/2 E 1/2 SE SE L&I 6-96-36 & PARCELS J & K
Legal Range36W
Legal Township96N
Legal Section6
Legal SubdivisionL & I
JurisdictionCLAY IA
Township / Civil DivisionSPENCER
Census Block Group1
Census Block1005
Census Tract80200

Owner

Source: Clay County records, as of September 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address905 E 18TH ST, SPENCER, IA 51301-4737
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 23, 2021Intrafamily Transfer, Transfer
Aug 23, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 5, 2006 · Amount on Record
Deed SaleMay 5, 2006 · Amount on Record
Deed Document Number20061385
Deed Book / Page2006 / 1385
Prior Transfer DateFeb 14, 2006
Prior Transfer Doc2006/1385
Record UpdatedOct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY IA
Recording DateAug 23, 2021
Property Address905 E 18TH ST, SPENCER, IA 51301-4737
Document Number2021/2660
Book / Page2021 / 2660
Instrument DateAug 23, 2021
Instrument2021 2660
Transaction TypeTransfer
Record UpdatedNov 25, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address905 E 18TH ST, SPENCER, IA 51301-4737

August 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCLAY IA
Recording DateAug 23, 2021
Property Address905 E 18TH ST, SPENCER, IA 51301-4737
Document Number2021/2659
Book / Page2021 / 2659
Instrument DateAug 23, 2021
Instrument2021 2659
Transaction TypeTransfer
Record UpdatedNov 25, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address905 E 18TH ST, SPENCER, IA 51301-4737

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

TypeName
StateIowa
CountyClay County
MunicipalitySpencer City
Unified School DistrictSpencer Community School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,422.00 (+2.6%) Homeowner's exemption$103,790 (+7.21%) Land $25,700 Building $78,090$103,790 (+7.21%) Land $25,700 Building $78,090
2024$1,386.00 (+4.05%)
2023$96,810 (+14.53%) Land $20,560 Building $76,250$96,810 (+14.53%) Land $20,560 Building $76,250
2022$1,332.00 Homeowner's exemption$84,530 Land $20,560 Building $63,970
2021$84,530 Land $20,560 Building $63,970

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims7 (1993–2024)
Most Recent ClaimJun 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 RiskLow
lower than 98% of the US · lower than 82% of Iowa
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSPENCER MUNICIPAL WATER UTILITY
serves 11,325 people · EPA ID IA2171071
Water SourceGroundwater
Last State InspectionJan 2025
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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