525 E 2nd Street Spencer, IA $ 109,000
525 E 2nd Street
$ 109,000
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525 E 2nd Street

Spencer, IA, 51301
$ 109,000
Bedrooms3 Baths2.0 Sq 1,000

Monthly Estimate*

$ 680

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Single Family Home for sale in Spencer, IA

for $109,000 with 3 bedrooms and 2 full baths. This 1,000 square foot home was built in 1950 on a lot size of 0.16.

Start Fresh on Second Street! This bungalow is more than just a house—it’s a blank canvas waiting for its next chapter with a little TLC needed. Step inside to discover warm wood floors that stretch through the living room, where natural light filters in and an arched doorway leads you toward the kitchen. With two bedrooms plus a bonus space, the layout adapts easily to your lifestyle—whether that’s a home office, guest room, or hobby retreat. Practical updates like brand-new central air in 2025 give peace of mind, while the two bathrooms provide convenience for busy mornings. Outside, the detached garage offers covered parking and storage, and the extra-deep backyard invites summer barbecues, gardening, or simply space to let kids and pets play freely. Centrally located and full of potential, this home is ready for someone who wants affordability without giving up charm, space, or updates.

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Single Family Contingent

Price

$ 109,000

Bedrooms

3

Full Bath

2

Property Type

Single Family

Taxes

$ 2,024

Style

Bungalow

Lot Size

0.16

Year Built

1950

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251259

Features
Interior
Interior Features Ceiling Fan(s) Main Floor Bedrooms Natural Woodwork
Furnished Y/N No
Total Baths 2
Full Baths 1
Bath Description 3/4 Basement Main Floor Full Bath
1/4 Baths 0
Basement Features Egress Windows Finished-Partial
Basement Material Concrete Block
Basement Style Full
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General
Sewer Public Sewer
Construction Concrete Block 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 Bungalow
Stories Count 1
Class RESIDENTIAL
Assessments No
Levels One
Type Single Family Residence
Yearly Taxes 2024
Tax Year 2024
Fuel Natural Gas
Status Active Contingent-CTS
Subdivision IA
Sale/Rent For Sale
Status Detail 1
Lot Sqft 6732
Construction Materials Block Vinyl Siding
Primary City Spencer
Year Built 1950
City Spencer
Disclosures Lead Based Paint Disc Property Condition Disc
Total Sq Ft 1720
DOM 91
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 109
Public Remarks Start Fresh on Second Street! This bungalow is more than just a house—it’s a blank canvas waiting for its next chapter with a little TLC needed. Step inside to discover warm wood floors that stre
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Exterior
Exterior Features Driveway-Concrete
Waterfront 0
Garage Type Detached
Lot Size Source Assessor
Water Source Public/City
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* Excluded Features
List By
Kelly Bierl

Listing Agent

Hometown Realty

Broker

(712) 260-5711

Phone

kelly@byhometown.com

Email

Affordability Calculator

$849
Per Month
80%
20%
0%
Monthly Principal & Interest
$680
Monthly Property Taxes
$169
Monthly 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
1883250 Elementary School
1883270 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
11/28/2025$109,000 -6.84% Price Down
9/29/2025$117,000 Listed Price

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525 E 2nd Street, Spencer, IA, 51301 is a Single Family Home for sale at $109,000 with 1,000 sqft and a lot size of 0.16. 525 E 2nd Street has 3 bedrooms, 2.0 baths, and was built in 1950. The property's zip code is 51301 which is in Spencer, IA