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

Clay County property record for 916 E 18th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,944 sqft · built 1958
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,956 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Apr 2019 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`963607231008`

Property Details

APN / Parcel Number

Primary APN	`963607231008`
Alternative APN	`64096360723100800`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	4 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
1st Floor Area	640 sqft
Basement Area	1,304 sqft
Finished Basement	480 sqft
Unfinished Basement	1,304 sqft
Game Room	Game Room
Flooring	Hardwood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Contemporary
Exterior Material	Brick Veneer
Construction Type	Brick
Roof Type	Flat
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	805 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	450 sqft
Deck Area	168 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	916 E 18TH ST
City	SPENCER
State	IA
Zip	51301-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NE NE 7-96-36 L & I
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	916 E 18TH ST, SPENCER, IA 51301-4736
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2017	Deed of Trust, Mortgage · Line of Credit FARMERS TRUST & SAVINGS BANK
Apr 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Jun 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS TRUST & SAVINGS BANK
Oct 2, 2019	Warranty Deed, Transfer · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	916 E 18TH ST, SPENCER, IA 51301-4736
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02017/1000
Date	Apr 21, 2017
Book Page	2017/1000
Instrument	1000

Lender

Name	FARMERS TRUST & SAVINGS BANK
Type	Bank
Address	SPENCER, IA 51301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	916 E 18TH ST, SPENCER, IA 51301-4736
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002019/953
Date	Apr 22, 2019
Book Page	2019/953
Instrument	953

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IA
Property Address	916 E 18TH ST, SPENCER, IA 51301-4736
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02019/1380
Date	Jun 3, 2019
Book Page	2019/1380
Instrument	1380

Lender

Name	FARMERS TRUST & SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IA
Recording Date	Oct 2, 2019
Property Address	916 E 18TH ST, SPENCER, IA 51301-4736
Document Number	02019/2625
Book / Page	2019 / 2625
Instrument Date	Sep 30, 2019
Instrument	2625
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 E 18TH ST, SPENCER, IA 51301-4736

Mortgage

Document Number	02019/2626
Date	Oct 2, 2019
Book Page	2019/2626
Instrument	2626

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

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	$4,956.00 (+5.18%)	$323,640 (+9.95%) Land $76,940 Building $246,700	$323,640 (+9.95%) Land $76,940 Building $246,700
2024	$4,712.00 (+5.32%)
2023		$294,360 (+15.88%) Land $61,560 Building $232,800	$294,360 (+15.88%) Land $61,560 Building $232,800
2022	$4,474.00	$254,020 Land $61,560 Building $192,460
2021			$254,020 Land $61,560 Building $192,460

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