304 9th Street SW Spencer, IA $ 169,000
304 9th Street SW
$ 169,000
New Construction
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304 9th Street SW

Spencer, IA, 51301
$ 169,000
Bedrooms2 Baths2.0 Sq 1,040

Monthly Estimate*

$ 1,041

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Single Family Home for sale in Spencer, IA

for $169,000 with 2 bedrooms and 2 full baths. This 1,040 square foot home was built in 1976 on a lot size of 0.2.

Like-New Living Without the New Construction Price! If you've been searching for a home where all the work has already been done, this beautifully renovated ranch deserves a closer look. Rebuilt from the studs up following the 2024 flood, nearly every interior surface and finish has been thoughtfully updated, creating a fresh, modern feel throughout. The spacious layout offers 2 bedrooms and 2 full baths, including a private primary suite. A smart redesign transformed a former third bedroom into a second full bath and convenient main-floor laundry area, enhancing both comfort and functionality. The bright, welcoming interior features updated cabinetry, Quartz countertops, attractive flooring, modern lighting, fresh drywall, paint, and beautifully finished bathrooms. Just off the living space, the three-season sunroom provides the perfect spot to enjoy your morning coffee, unwind with a book, or gather with friends and family. Additional improvements include a central air system and heat pump, while the attached two-car garage and 12' x 16' storage shed provide plenty of room for vehicles, hobbies, tools, and seasonal items. Located in an established Spencer neighborhood, this move-in-ready home is easy to show and ready for its next owner. Opportunities to purchase a home with this level of renovation and finish don't come along often—schedule your private showing today.

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Single Family Contingent

Price

$ 169,000

Bedrooms

2

Full Bath

2

Property Type

Single Family

Taxes

$ 1,948

Style

Ranch

Lot Size

0.2

Year Built

1976

Town/City

Spencer

County/Region

Clay

MLS | Web ID

260598

Features
Interior
Interior Features Eat-in Kitchen Garage Door Opener Main Floor Bedrooms Main Floor Laundry Washer/Dryer Hkups
Furnished Y/N No
Total Baths 2
Full Baths 2
Bath Description Full Master Main Floor Full Bath Private Master
1/4 Baths 0
Basement Features None
Basement Style Crawl Space
Common Walls No Common Walls
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General
Sewer Public Sewer
Construction Stick Built
Heating Heat Pump
Cooling Central
Roof Asphalt
Appliances Dishwasher Dryer Microwave Range/Stove Refrigerator Washer
Flood Zone Yes-100
Number of Garage Spaces 2
School District Spencer
Electric Breakers
Architectural Style Ranch
Stories Count 1
Class RESIDENTIAL
Assessments No
Levels One
Type Single Family Residence
Total Lots 1
Terms Cash Conventional FHA Rural Development
Yearly Taxes 1948
Property Condition Updated/Remodeled
Accessibility Features No Stairs Internal
Tax Year 2024
Fuel Electric Other
Status Active Contingent-CTS
Subdivision IA
Sale/Rent For Sale
Status Detail 1
Lot Sqft 8740
Construction Materials Vinyl Siding
Primary City Spencer
Year Built 1976
City Spencer
Disclosures Lead Based Paint Disc Property Condition Disc
Total Sq Ft 1040
DOM 1
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 162.5
Public Remarks Like-New Living Without the New Construction Price! If you've been searching for a home where all the work has already been done this beautifully renovated ranch deserves a closer look. Rebuilt from
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Exterior
Exterior Features Driveway-Concrete
Lot Features Level Paved Street(s) Tree Cover-Light
Waterfront 0
Garage Type Attached
Garage Capacity 26 x 20
Other Structures Storage
Lot Size Source Assessor
Water Source Public/City
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* Excluded Features
List By
Tracey Radcliffe

Listing Agent

Exit Realty Midwest

Broker

(712) 330-0837

Phone

tracey@spiritlakehomes.com

Email

Affordability Calculator

$1,203
Per Month
87%
13%
0%
Monthly Principal & Interest
$1,041
Monthly Property Taxes
$162
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
6/9/2026$169,000 Listed Price

Map


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304 9th Street SW, Spencer, IA, 51301 is a Single Family Home for sale at $169,000 with 1,040 sqft and a lot size of 0.2. 304 9th Street SW has 2 bedrooms, 2.0 baths, and was built in 1976. The property's zip code is 51301 which is in Spencer, IA