701 4Th Street SW Spencer, IA $ 439,000
701 4Th Street SW
$ 439,000
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701 4Th Street SW

Spencer, IA, 51301
$ 439,000
Bedrooms4 Baths3.0 Sq 1,992

Monthly Estimate*

$ 2,703

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Single Family Home for sale in Spencer, IA

for $439,000 with 4 bedrooms and 3 full baths. This 1,992 square foot home was built in 2004 on a lot size of 0.96.

Welcome to this charming Cape Cod-style home, perfectly positioned in the heart of town and set on an expansive nearly 1 acre lot offering captivating river ground views, close to the bike / walking trails and endless possibilities. With nearly 2,000 finished square feet, this delightful property features 4 bedrooms and 3 bathrooms, creating a spacious and flexible retreat for any family. Two of the bedrooms showcase open loft-style designs overlooking the main living area, adding architectural interest and a light, airy feel. The fourth bedroom is located in the unfinished basement, providing an excellent opportunity to customize additional living space to fit your needs. Step through the front door into an open foyer highlighted by a striking brick fireplace that extends to the vaulted ceiling, anchored by an impressive 40+ foot exposed glue-lam beam. This stunning architectural detail allows for a dramatic wall of glass in the living room, capturing breathtaking, year-round views of the prairie grass and serene river grounds unique to this location. The main floor offers convenient single-level living with a primary bedroom, full bath, spacious kitchen, and dining room. A back office, laundry room, and direct access to the attached 26 x 26-foot garage add everyday functionality to the home’s distinctive charm. Situated on nearly a full acre, the property provides exceptional outdoor space with room to expand. Whether you envision adding onto the existing home, building an additional structure, or creating the ultimate outdoor retreat, the lot offers rare flexibility right in town. Thoughtful craftsmanship and numerous updates enhance both comfort and value, including a new water heater, furnace, electrical panel, air conditioning, shingles, siding, garage doors, and a new Marvin basement window. Take your time exploring this unique property—where character, setting, and opportunity come together to create a truly rare find. Some furnishings are negotiable.

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Single Family Active

Price

$ 439,000

Bedrooms

4

Full Bath

3

Property Type

Single Family

Taxes

$ 5,392

Style

1.5 STORY

Lot Size

0.96

Year Built

2004

Town/City

Spencer

County/Region

Clay

MLS | Web ID

260016

Features
Interior
Interior Features Hardwood Floors Main Floor Laundry Natural Woodwork Tiled Floors Vaulted Ceilings Walk-in Closet
Furnished Y/N Negotiable
Total Baths 3
Full Baths 1
1/4 Baths 0
Basement Features Egress Windows Sump Pump
Basement Material Poured Concrete
Basement Style Crawl Space Full
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General
Sewer Public Sewer
Construction Stick Built
Heating Forced Air In-Floor
Cooling Central
Roof Asphalt
Flood Zone No
Number of Garage Spaces 2
School District Spencer
Electric Breakers
Architectural Style 1.5 STORY
Stories Count 1.5
Class RESIDENTIAL
Assessments No
Levels One and One Half
Type Single Family Residence
Yearly Taxes 5392
Tax Year 2024
Fuel Natural Gas
Status Active
Subdivision IA
Sale/Rent For Sale
Status Detail 0
Lot Sqft 41818
Construction Materials Smart Board
Primary City Spencer
Year Built 2004
Directions Hwy 71 turn on the south side of the bridge on to 4th St SW
City Spencer
Disclosures Property Condition Disc
Total Sq Ft 3410
DOM 10
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 220.38
Public Remarks Welcome to this charming Cape Cod-style home perfectly positioned in the heart of town and set on an expansive nearly 1 acre lot offering captivating river ground views close to the bike / walking tr
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Exterior
Exterior Features Driveway-Concrete Fenced Yard-Partial In-Grnd Sprklr Sys Patio
Waterfront 0
Garage Type Attached
Lot Size Source Assessor
Water Source Public/City
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* Excluded Features
List By
Doug Small

Listing Agent

Hinn Real Estate

Broker

(712) 260-4776

Phone

doug@dougsmall.co

Email

Affordability Calculator

$3,152
Per Month
86%
14%
0%
Monthly Principal & Interest
$2,703
Monthly Property Taxes
$449
Monthly 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
1883250 Elementary School
1883270 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
2/13/2026$439,000 Listed Price

Map


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701 4Th Street SW, Spencer, IA, 51301 is a Single Family Home for sale at $439,000 with 1,992 sqft and a lot size of 0.96. 701 4Th Street SW has 4 bedrooms, 3.0 baths, and was built in 2004. The property's zip code is 51301 which is in Spencer, IA