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

Clay County property record for 906 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 948 sqft · built 1952
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Jul 2021)
Tax Bill	$2,396 (2025)
Deeds & Mortgages	Jul 2021 Sale Dec 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`963607231007`

Property Details

APN / Parcel Number

Primary APN	`963607231007`
Alternative APN	`64096360723100700`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	948 sqft Living Area
Basement Area	948 sqft
Unfinished Basement	948 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	289 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Deck Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	906 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG. 283.3'W OF NE NE, TH W 75' TH S 322' THE E 75' TH N 322'TO BEG.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	2 Individual Names on Record
Mailing Address	906 E 18TH ST, SPENCER, IA 51301-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Warranty Deed, Transfer
Dec 7, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2021 · Amount on Record
Deed Sale	Jul 20, 2021 · Amount on Record
Prior Sale	Feb 2, 2021
Deed Document Number	20212303
Deed Book / Page	2021 / 2303
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Jul 20, 2021
Property Address	906 E 18TH ST, SPENCER, IA 51301-4736
Document Number	02021/2303
Book / Page	2021 / 2303
Instrument Date	Jun 29, 2021
Instrument	2021 2303
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$207.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	906 E 18TH ST, SPENCER, IA 51301-4736

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Dec 7, 2020
Property Address	906 E 18TH ST, SPENCER, IA 51301-4736
Document Number	02020/3878
Book / Page	2020 / 3878
Instrument Date	Dec 7, 2020
Instrument	2020 3878
Transaction Type	Transfer
Record Updated	Aug 9, 2022

Transaction

Amount	Amount Recorded
Tax	$71.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13575 LYNAM DR, OMAHA, NE 68138-4408
Investor	Possibly a Property Investor

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	$2,396.00 (+5.83%) Homeowner's exemption	$167,290 (+10.34%) Land $35,700 Building $131,590	$167,290 (+10.34%) Land $35,700 Building $131,590
2024	$2,264.00 (+6.09%)
2023		$151,610 (+16.64%) Land $28,560 Building $123,050	$151,610 (+16.64%) Land $28,560 Building $123,050
2022	$2,134.00	$129,980 Land $28,560 Building $101,420
2021			$129,980 Land $28,560 Building $101,420

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.

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