20564 Breakwater Drive Spirit Lake, IA ^$ 935,000

20564 Breakwater Drive

^$ 935,000

Back to search

20564 Breakwater Drive

Spirit Lake, IA, 51360

^$ 935,000

Bedrooms3 Baths3.0 Sq 2,368

Monthly Estimate*

^$ 5,757

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 1

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 2

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 3

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 4

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 5

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 6

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 7

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 8

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 9

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 10

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 11

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 12

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 13

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 14

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 15

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 16

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 17

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 18

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 19

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 20

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 21

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 22

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 23

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 24

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 25

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 26

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 27

20564 Breakwater Drive, Spirit Lake, IA 51360 - Image 28

Single Family Home for sale in Spirit Lake, IA

for $935,000 with 3 bedrooms and 3 full baths. This 2,368 square foot home was built in 1974 on a lot size of 0.16.

This delightful Harbor home is the epitome of effortless living on the boardwalk. The move-in ready charmer features an airy layout with generous living space and an entertainerâs kitchen with an oversized breakfast bar. The three bedroom, three bathroom home makes it easy to unwind with soothing water views from an open sunroom and a fantastic patio. Spanning 60â of West Okoboji Harbor lakefront, this property is sure to impress!

Single Family Contingent

Price

^$ 935,000

Bedrooms

Full Bath

Property Type

Single Family

Taxes

^$ 5,854

Style

Ranch

Lot Size

0.16

Year Built

1974

Town/City

Spirit Lake

County/Region

Dickinson

MLS | Web ID

251596

Features

General

Water Description Lake

Sewer Public Sewer

Construction Frame/Wood Stick Built

Heating Baseboard

Cooling Central

Roof Asphalt

Appliances Cooktop Dishwasher Disposal Dryer Refrigerator Wall Oven Washer

Association Fee 1

Flood Zone No

Number of Garage Spaces 2

School District Spirit Lake

Architctural Style Ranch

Stories Count 1

Class RESIDENTIAL

Assessments Unknown

Levels One

Type Single Family Residence

Yearly Taxes 5854

Property Condition Updated/Remodeled

Waterfront Frontage 60

Tax Year 2024

Fuel Electric

Status Active Contingent-No Show

Subdivision IA

Sale/Rent For Sale

Status Detail 5

HOA Name WOHLOA Inc.

Lot Sqft 7082

Construction Materials Brick Smart Board

Primary City Spirit Lake

Year Built 1974

Directions Hwy 86 east on Breakwater Dr.

City Spirit Lake

Total Sq Ft 2368

DOM 2

Secondary City Dickinson County

Postal Code 51360

Price Per Sq Ft Total AG 394.85

Public Remarks This delightful Harbor home is the epitome of effortless living on the boardwalk. The move-in ready charmer features an airy layout with generous living space and an entertainerâs kitchen with an o

Exterior

Waterfront 1

Garage Type Attached

Waterfront Name West Okoboji Harbor

Lot Size Source Assessor

Water Source Rural/Municipality

Interior

Furnished Y/N No

Fireplace 1

Total Baths 3

Full Baths 0

1/4 Baths 0

Basement Style Crawl Space

* Excluded Features

List By

Mickey Harrington

Listing Agent

Okoboji Realty

Broker

(712) 320-2725

Phone

mickey@okobojire.com

Affordability Calculator

$6,245

Per Month

Monthly Principal & Interest: $5,757
Monthly Property Taxes: $488
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 6.25% 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.

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 Spirit Lake, IA

Average List Price ^$683,928

Percent of Sale Price 27%

About Spirit Lake, IA

5,191 Population

15% Since 2002

^$58,432 Median Income

43.82 Median Age

23% Households with Children

View more area information

Trends Information provided by ATTOM Data Solutions.

1883280 Elementary School

1883298 Middle School

Unknown High School High School

See complete school information

Pricing History

Date	Price	Price Change	Description
1/7/2026	$935,000		Listed Price

Map

More homes like this one

homes for you

See all

20564 Breakwater Drive, Spirit Lake, IA, 51360 is a Single Family Home for sale at $935,000 with 2,368 sqft and a lot size of 0.16. 20564 Breakwater Drive has 3 bedrooms, 3.0 baths, and was built in 1974. The property's zip code is 51360 which is in Spirit Lake, 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 1/10/2026.

*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?

20564 Breakwater Drive

Single Family Home for sale in Spirit Lake, IA

Affordability Calculator

Map

More homes like this one

Get more info about this home