401 W 3Rd Street Spencer, IA $ 499,900
401 W 3Rd Street
$ 499,900
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401 W 3Rd Street

Spencer, IA, 51301
$ 499,900
Bedrooms5 Baths3.0 Sq 4,257

Monthly Estimate*

$ 3,078

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Single Family Home for sale in Spencer, IA

for $499,900 with 5 bedrooms and 3 full baths. This 4,257 square foot home was built in 1916 on a lot size of 0.3.

Welcome to this beautifully updated 5-bedroom, 3-bath home, where timeless 1916 charm meets modern comfort. Filled with abundant natural light, this home showcases thoughtful design details and original character that create a warm, inviting feel from the moment you walk in. At the heart of the home is a high-end kitchen featuring sleek finishes and premium Beko appliances. The spacious layout offers generously sized bedrooms and updated bathrooms, while preserving the craftsmanship and unique touches of its era. The private primary bedroom wing is a true retreat, complete with it's own walkout to the backyard patio. Downstairs, the basement includes a second full kitchen and its own private entrance, offering excellent potential for an income-producing space, guest suite, or multi-generational living. Situated on a desirable corner lot, the property includes a private, fenced-in yard that's perfect for relaxing or hosting gatherings. With its bright interiors, charming character, and stylish updates, this home is truly one of a kind!

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Single Family Active

Price

$ 499,900

Bedrooms

5

Full Bath

3

Property Type

Single Family

Taxes

$ 3,762

Style

Ranch

Lot Size

0.3

Year Built

1916

Town/City

Spencer

County/Region

Clay

MLS | Web ID

260246

Features
General
Sewer Public Sewer
Construction Stick Built
Heating Forced Air
Cooling Central
Appliances Dishwasher Dryer Microwave Range/Stove Refrigerator Washer
Flood Zone No
Number of Garage Spaces 2
School District Spencer
Architectural Style Ranch
Stories Count 1
Class RESIDENTIAL
Assessments No
Levels One
Type Single Family Residence
Yearly Taxes 3762
Tax Year 2024
Fuel Natural Gas
Status Active
Subdivision IA
Sale/Rent For Sale
Status Detail 0
Lot Sqft 13200
Construction Materials Wood Siding
Primary City Spencer
Year Built 1916
City Spencer
Total Sq Ft 5602
DOM 3
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 117.43
Public Remarks Welcome to this beautifully updated 5-bedroom 3-bath home where timeless 1916 charm meets modern comfort. Filled with abundant natural light this home showcases thoughtful design details and original
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Exterior
Waterfront 0
Garage Type Attached
Garage Capacity 20x24
Lot Size Source Assessor
Water Source Public/City
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Interior
Furnished Y/N No
Total Baths 3
Full Baths 2
1/4 Baths 0
Basement Features Finished-Full
Basement Style Full
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* Excluded Features
List By
Nicole Nimke

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 363-0287

Phone

ntnimke@gmail.com

Email

Affordability Calculator

$3,391
Per Month
91%
9%
0%
Monthly Principal & Interest
$3,078
Monthly Property Taxes
$314
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
4/10/2026$499,900 Listed Price

Map


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401 W 3Rd Street, Spencer, IA, 51301 is a Single Family Home for sale at $499,900 with 4,257 sqft and a lot size of 0.3. 401 W 3Rd Street has 5 bedrooms, 3.0 baths, and was built in 1916. The property's zip code is 51301 which is in Spencer, IA