402 E Park St Spencer, IA ^$ 117,500

402 E Park St

^$ 117,500

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402 E Park St

Spencer, IA, 51301

^$ 117,500

Bedrooms2 Baths1.0 Sq 816

Monthly Estimate*

^$ 733

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Single Family Home for sale in Spencer, IA

for $117,500 with 2 bedrooms and 1 full bath. This 816 square foot home was built in 1910 on a lot size of 0.16.

It's updated! Completely gone through since 2024 and now features a concrete driveway with additional space for parking. Plus new privacy fence! 2 bed, 1 bath home sits on a corner lot and has recent roof, new flooring, and paint. Simple property to get into for low cost.

Single Family Active

Price

^$ 117,500

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 980

Style

Cottage

Lot Size

0.16

Year Built

1910

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251129

Features

General

Sewer Public Sewer

Construction Frame/Wood

Heating Baseboard

Flood Zone No

Number of Garage Spaces 1

School District Spencer

Architctural Style Cottage

Stories Count 1

Class RESIDENTIAL

Assessments No

Levels One

Type Single Family Residence

Yearly Taxes 980

Tax Year 2024

Fuel Electric

Status Active

Subdivision IA

Sale/Rent For Sale

Status Detail 0

Lot Sqft 6732

Construction Materials Other

Primary City Spencer

Year Built 1910

Directions Hiway 71 to East Park St head East property will be on south side right before old railroad tracks.

City Spencer

Total Sq Ft 816

DOM 96

Secondary City Clay County

Postal Code 51301

Price Per Sq Ft Total AG 144

Public Remarks It's updated! Completely gone through since 2024 and now features a concrete driveway with additional space for parking. Plus new privacy fence! 2 bed 1 bath home sits on a corner lot and has recent

Exterior

Waterfront 0

Garage Type Detached

Garage Capacity 14x24

Lot Size Source Assessor

Water Source Public/City

Interior

Furnished Y/N No

Total Baths 1

Full Baths 1

1/4 Baths 0

Basement Style None

* Excluded Features

List By

Jimy Mac Lenz

Listing Agent

Hinn Real Estate

Broker

(712) 240-0695

Phone

jimymac1964@yahoo.com

Affordability Calculator

$815

Per Month

Monthly Principal & Interest: $733
Monthly Property Taxes: $82
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 ^$207,407

Percent of Sale Price 77%

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
10/15/2025	$117,500	-2.08%	Price Down
9/2/2025	$120,000		Listed Price

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402 E Park St, Spencer, IA, 51301 is a Single Family Home for sale at $117,500 with 816 sqft and a lot size of 0.16. 402 E Park St has 2 bedrooms, 1.0 baths, and was built in 1910. 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 12/12/2025.

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402 E Park St

Single Family Home for sale in Spencer, IA

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