623 W 5Th Street Spencer, IA ^$ 147,000

623 W 5Th Street

^$ 147,000

Back to search

623 W 5Th Street

Spencer, IA, 51301

^$ 147,000

Bedrooms2 Baths1.1 Sq 988

Monthly Estimate*

^$ 917

623 W 5Th Street, Spencer, IA 51301 - Image 1

623 W 5Th Street, Spencer, IA 51301 - Image 2

623 W 5Th Street, Spencer, IA 51301 - Image 3

623 W 5Th Street, Spencer, IA 51301 - Image 4

623 W 5Th Street, Spencer, IA 51301 - Image 5

623 W 5Th Street, Spencer, IA 51301 - Image 6

623 W 5Th Street, Spencer, IA 51301 - Image 7

623 W 5Th Street, Spencer, IA 51301 - Image 8

623 W 5Th Street, Spencer, IA 51301 - Image 9

623 W 5Th Street, Spencer, IA 51301 - Image 10

623 W 5Th Street, Spencer, IA 51301 - Image 11

623 W 5Th Street, Spencer, IA 51301 - Image 12

623 W 5Th Street, Spencer, IA 51301 - Image 13

623 W 5Th Street, Spencer, IA 51301 - Image 14

623 W 5Th Street, Spencer, IA 51301 - Image 15

Single Family Home for sale in Spencer, IA

for $147,000 with 2 bedrooms and 1 full bath, 1 half bath. This 988 square foot home was built in 1920 on a lot size of 0.13.

Move-In Ready Ranch! This updated ranch-style home features 2 bedrooms, 1.5 baths, and convenient main floor laundry. Enjoy the open-concept layout with a modern kitchen and spacious living area. The basement is ready to be finished to your liking! Outside, youâll appreciate the one-car detached garage and easy-to-maintain yard. A great opportunity to own a move-in ready home.

Single Family Active

Price

^$ 147,000

Bedrooms

Full Bath

Half Bath

Property Type

Single Family

Taxes

^$ 2,038

Style

Ranch

Lot Size

0.13

Year Built

1920

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251261

Features

General

Sewer Public Sewer

Construction Concrete Block

Heating Forced Air

Cooling Central

Roof Asphalt

Flood Zone No

Number of Garage Spaces 1

School District Spencer

Architctural Style Ranch

Stories Count 1

Class RESIDENTIAL

Assessments Unknown

Levels One

Type Single Family Residence

Terms Cash Conventional FHA Rural Development

Yearly Taxes 2038

Property Condition Updated/Remodeled

Tax Year 2024

Fuel Natural Gas

Status Active

Subdivision IA

Sale/Rent For Sale

Status Detail 0

Lot Sqft 5546

Construction Materials Vinyl Siding

Primary City Spencer

Year Built 1920

City Spencer

Total Sq Ft 1976

DOM 69

Secondary City Clay County

Postal Code 51301

Price Per Sq Ft Total AG 148.79

Public Remarks Move-In Ready Ranch! This updated ranch-style home features 2 bedrooms 1.5 baths and convenient main floor laundry. Enjoy the open-concept layout with a modern kitchen and spacious living area. The

Exterior

Waterfront 0

Garage Type Detached

Lot Size Source Assessor

Water Source Public/City

Interior

Furnished Y/N No

Total Baths 2

Full Baths 1

1/4 Baths 0

Basement Style Full

* Excluded Features

List By

Kari Stave

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 363-2691

Phone

klstave@gmail.com

Affordability Calculator

$1,087

Per Month

Monthly Principal & Interest: $917
Monthly Property Taxes: $170
Monthly Home Insurance: --

Set your offer price

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.

Learn more about how to save

Discover how much house you can afford

Your dream home may be within reach.

Learn More about how to save

THE TIME TO SELL IS NOW! What's my home worth?

Nearby

Trends
Schools

Single family listings in Spencer, IA

Average List Price ^$206,885

Percent of Sale Price 41%

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
11/7/2025	$147,000	-1.93%	Price Down
9/29/2025	$149,900		Listed Price

Map

More homes like this one

homes for you

See all

623 W 5Th Street, Spencer, IA, 51301 is a Single Family Home for sale at $147,000 with 988 sqft and a lot size of 0.13. 623 W 5Th Street has 2 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 12/14/2025.

*Full Name

*Email

*Phone

I am interested in financing options

Get more info

By submitting the form, you agree that Weichert^® may contact you via phone or text about your inquiry, which may involve the use of automated means. You are not required to consent as a condition of purchasing any property, goods or services. For any other information please read our privacy policy.

Get more info

Looking for an Associate?

Already Working with an Associate?

623 W 5Th Street

Single Family Home for sale in Spencer, IA

Affordability Calculator

Map

More homes like this one

Get more info about this home