309 1st Street E Spencer, IA ^$ 98,000

309 1st Street E

^$ 98,000

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309 1st Street E

Spencer, IA, 51301

^$ 98,000

Bedrooms2 Baths1.0 Sq 879

Monthly Estimate*

^$ 603

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Single Family Home for sale in Spencer, IA

for $98,000 with 2 bedrooms and 1 full bath. This 879 square foot home was built in 1947 on a lot size of 0.11.

Perfect Starter Home for First-Time Buyers! This cozy one-level home offers classic cottage charm with modern updates, including a new furnace and hot water heater (2024). The layout features 2 bedrooms, 1 bath and a basement with potential for added living space. Structurally sound and move-in ready--just add your personal touches! Includes a detached garage, storage shed and a manageable yard. Affordable living with room to grow! Make your MOVE today!

Single Family Active

Price

^$ 98,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 1,106

Style

Ranch

Lot Size

0.11

Year Built

1947

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251279

Features

Interior

Interior Features Eat-in Kitchen Main Floor Bedrooms Washer/Dryer Hkups Window Coverings

Furnished Y/N No

Total Baths 1

Full Baths 1

Bath Description Main Floor Full Bath

1/4 Baths 0

Basement Features Finished-Partial

Basement Material Concrete Block

Basement Style Full

General

Sewer Public Sewer

Construction Stick Built

Heating Forced Air

Cooling Central

Roof Asphalt

Appliances Dryer Washer

Flood Zone No

Number of Garage Spaces 1

School District Spencer

Electric Breakers

Architctural Style Ranch

Stories Count 1

Class RESIDENTIAL

Assessments No

Levels One

Type Single Family Residence

Terms Cash Conventional DVA FHA Rural Development

Yearly Taxes 1106

Tax Year 2024

Fuel Natural Gas

Status Active

Subdivision IA

Sale/Rent For Sale

Status Detail 0

Lot Sqft 4840

Construction Materials Aluminum Siding

Primary City Spencer

Year Built 1947

City Spencer

Disclosures Lead Based Paint Disc Property Condition Disc

Total Sq Ft 1071

DOM 97

Secondary City Clay County

Postal Code 51301

Price Per Sq Ft Total AG 111.49

Public Remarks Perfect Starter Home for First-Time Buyers! This cozy one-level home offers classic cottage charm with modern updates including a new furnace and hot water heater (2024). The layout features 2 bedr

Exterior

Exterior Features Driveway-Asphalt Driveway-Shared

Waterfront 0

Garage Type Detached

Lot Size Source Assessor

Water Source Public/City

* Excluded Features

List By

Lori Black

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 260-1372

Phone

lori.blackexitrealty@gmail.com

Affordability Calculator

$696

Per Month

Monthly Principal & Interest: $603
Monthly Property Taxes: $92
Monthly Home Insurance: --

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Interest Rate

Yearly Property Taxes

Yearly Home Insurance

Default based on a 30-year fixed rate of 6.25% 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 ^$204,170

Percent of Sale Price 108%

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
12/3/2025	$98,000	-4.85%	Price Down
10/23/2025	$103,000	-3.74%	Price Down
10/1/2025	$107,000		Listed Price

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309 1st Street E, Spencer, IA, 51301 is a Single Family Home for sale at $98,000 with 879 sqft and a lot size of 0.11. 309 1st Street E has 2 bedrooms, 1.0 baths, and was built in 1947. 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 6.25% 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 1/12/2026.

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309 1st Street E

Single Family Home for sale in Spencer, IA

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