202 E 4th Street Spencer, IA ^$ 239,000

202 E 4th Street

^$ 239,000

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202 E 4th Street

Spencer, IA, 51301

^$ 239,000

Bedrooms3 Baths2.0 Sq 2,114

Monthly Estimate*

^$ 1,491

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Single Family Home for sale in Spencer, IA

for $239,000 with 3 bedrooms and 2 full baths. This 2,114 square foot home was built in 1886 on a lot size of 0.26.

Step onto the classic front and instantly feel right at home! The entry greets you with warm wood details, setting the tone for a period correct house with updates. This spacious home is full of charm and even offers a workshop behind the two car garage. Picture fall nights, blanket, movie, maybe a little hot cocoa by the warm fireplace! Who's ready to see this home and make it your own?

Single Family Active

Price

^$ 239,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 2,730

Style

Victorian

Lot Size

0.26

Year Built

1886

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251306

Features

General

Sewer Public Sewer

Construction Frame/Wood Stick Built

Heating Fireplace Forced Air

Cooling Central

Appliances Dishwasher Range/Stove

Flood Zone No

Number of Garage Spaces 2

School District Spencer

Electric Breakers

Architctural Style Victorian

Stories Count 2

Class RESIDENTIAL

Assessments No

Levels Two

Type Single Family Residence

Yearly Taxes 2730

Property Condition Updated/Remodeled

Tax Year 2024

Fuel Natural Gas

Status Active

Subdivision IA

Sale/Rent For Sale

Status Detail 0

Lot Sqft 11455

Construction Materials Wood Siding

Primary City Spencer

Year Built 1886

Directions East on 4th Street

City Spencer

Total Sq Ft 3166

DOM 65

Secondary City Clay County

Postal Code 51301

Price Per Sq Ft Total AG 113.06

Public Remarks Step onto the classic front and instantly feel right at home! The entry greets you with warm wood details setting the tone for a period correct house with updates. This spacious home is full of charm

Exterior

Exterior Features Deck

Waterfront 0

Garage Type Detached

Other Structures Workshop

Lot Size Source Assessor

Water Source Public/City

Interior

Furnished Y/N No

Fireplace 1

Total Baths 2

Full Baths 2

1/4 Baths 0

Basement Style Full

* Excluded Features

List By

Kim Bates

Listing Agent

Northwest Iowa Realty

Broker

(712) 260-7149

Phone

kimbates@iowarealty.com

Affordability Calculator

$1,719

Per Month

Monthly Principal & Interest: $1,491
Monthly Property Taxes: $228
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 13%

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
12/2/2025	$239,000	-4.02%	Price Down
10/4/2025	$249,000		Listed Price

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202 E 4th Street, Spencer, IA, 51301 is a Single Family Home for sale at $239,000 with 2,114 sqft and a lot size of 0.26. 202 E 4th Street has 3 bedrooms, 2.0 baths, and was built in 1886. 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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202 E 4th Street

Single Family Home for sale in Spencer, IA

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