612 W 4th Street Spencer, IA ^$ 149,900

612 W 4th Street

^$ 149,900

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612 W 4th Street

Spencer, IA, 51301

^$ 149,900

Bedrooms3 Baths1.1 Sq 1,864

Monthly Estimate*

^$ 935

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Single Family Home for sale in Spencer, IA

for $149,900 with 3 bedrooms and 1 full bath, 1 half bath. This 1,864 square foot home was built in 1920 on a lot size of 0.18.

Welcome to your own slice of paradise in the heart of Spencer! This beautifully maintained 3-bedroom, 2-bath home offers comfort, convenience and stunning natural surroundings! The floor plan is spacious and inviting with warm, filtered light throughout. Your backyard opens up to the tranquil Little Sioux River, the perfect setting for peaceful mornings with coffee or evenings with friends!

Single Family Pending

Price

^$ 149,900

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 1,868

Style

1.5 STORY

Lot Size

0.18

Year Built

1920

Town/City

Spencer

County/Region

Clay

MLS | Web ID

250843

Features

General

Water Description River

Sewer Public Sewer

Construction Frame/Wood Stick Built

Heating Forced Air

Cooling Central

Roof Asphalt

Appliances Dishwasher Dryer Range/Stove Refrigerator Washer

Flood Zone No

Number of Garage Spaces 1

School District Spencer

Electric Breakers

Architctural Style 1.5 STORY

Stories Count 1.5

Class RESIDENTIAL

Assessments No

Levels One and One Half

Type Single Family Residence

Yearly Taxes 1868

Tax Year 2024

Fuel Natural Gas

Status Pending

Subdivision IA

Sale/Rent For Sale

Status Detail 0

Lot Sqft 8000

Construction Materials Wood Siding

Primary City Spencer

Year Built 1920

Directions GPS

City Spencer

Total Sq Ft 2932

DOM 158

Secondary City Clay County

Postal Code 51301

Price Per Sq Ft Total AG 80.42

Public Remarks Welcome to your own slice of paradise in the heart of Spencer! This beautifully maintained 3-bedroom 2-bath home offers comfort convenience and stunning natural surroundings! The floor plan is spacio

Exterior

Exterior Features Patio

Waterfront 1

Garage Type Attached

Waterfront Name Little Sioux River

Lot Size Source Assessor

Water Source Public/City

Interior

Furnished Y/N No

Total Baths 2

Full Baths 1

1/4 Baths 0

Basement Material Concrete Block

Basement Style Full

* Excluded Features

List By

Bob Bates

Listing Agent

Northwest Iowa Realty

Broker

(712) 260-7148

Phone

bobbates@iowarealty.com

Affordability Calculator

$1,091

Per Month

Monthly Principal & Interest: $935
Monthly Property Taxes: $156
Monthly Home Insurance: --

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Down Payment

Loan Term

Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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Nearby

Trends
Schools

Single family listings in Spencer, IA

Average List Price ^$206,956

Percent of Sale Price 38%

About Spencer, IA

11,142 Population

-1% Since 2002

^$46,679 Median Income

41.57 Median Age

27% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

1883250 Elementary School

1883270 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
10/29/2025	$149,900	-9.10%	Price Down
10/8/2025	$164,900	-5.77%	Price Down
8/19/2025	$175,000	-5.41%	Price Down
7/2/2025	$185,000		Listed Price

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612 W 4th Street, Spencer, IA, 51301 is a Single Family Home for sale at $149,900 with 1,864 sqft and a lot size of 0.18. 612 W 4th Street has 3 bedrooms, 1.1 baths, and was built in 1920. The property's zip code is 51301 which is in Spencer, IA

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

The data relating to real estate on this web site comes in part from the Internet Data Exchange (IDX) Program of the Iowa Great Lakes Board of REALTORS service.

The information being provided is for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data is deemed reliable but is not guaranteed accurate by the the MLS. Data is updated as of 12/13/2025.

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612 W 4th Street

Single Family Home for sale in Spencer, IA

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