228 4TH Street Street SW Spencer, IA $ 195,000
228 4TH Street Street SW
$ 195,000
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228 4TH Street Street SW

Spencer, IA, 51301
$ 195,000
Bedrooms5 Baths1.0 Sq 1,355

Monthly Estimate*

$ 1,231

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Single Family Home for sale in Spencer, IA

for $195,000 with 5 bedrooms and 1 full bath. This 1,355 square foot home was built in 1900 on a lot size of 0.77.

First time for sale to the public! - 3rd-generation owner! 4+ bedroom with a triple car garage on 3/4 of an acre. This adorable farmhouse greets you with a well-maintained exterior featuring an open front porch and vinyl siding. The rear of the house has an enclosed porch that has the laundry on the main & can be used as a mudroom. The main floor has been remodeled with updated flooring, newer windows, an Onyx shower system, and wood cabinets in the eat-in kitchen. This can be all-on-one-level living as the main floor has a bedroom as well. The upstairs has 3 bedrooms and one extra non-conforming bedroom or office or 2nd living area or 2nd bathroom option. Freshly painted throughout & professionally cleaned. The HVAC, water heater, and electrical panel were new in 2024. The triple car garage and ample off-street parking are hard to find in town, along with space to have a good garden. This home is ready for you!

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Single Family Active

Price

$ 195,000

Bedrooms

5

Full Bath

1

Property Type

Single Family

Taxes

$ 1,360

Style

1.5 STORY

Lot Size

0.77

Year Built

1900

Town/City

Spencer

County/Region

Clay

MLS | Web ID

260753

Features
Interior
Interior Features Ceiling Fan(s) Garage Door Opener Hardwood Floors Main Floor Bedrooms Main Floor Laundry Natural Woodwork Washer/Dryer Hkups
Furnished Y/N No
Fireplace 0
Total Baths 1
Full Baths 0
Bath Description Main Floor 3/4 Bath
1/4 Baths 0
Basement Features Unfinished
Basement Style Partial
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General
Sewer Public Sewer
Construction Stick Built
Heating Forced Air
Cooling Wall
Roof Asphalt
Appliances Dryer Range/Stove Refrigerator Washer
Flood Zone No
Number of Garage Spaces 3
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
Total Lots 1
Yearly Taxes 1360
Property Condition Updated/Remodeled
Tax Year 2024
Fuel Natural Gas
Status Active
Subdivision IA
Sale/Rent For Sale
Status Detail 0
Lot Sqft 33528
Construction Materials Vinyl Siding
Primary City Spencer
Year Built 1900
City Spencer
Disclosures Lead Based Paint Disc Property Condition Disc
Total Sq Ft 1505
DOM 0
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 143.91
Public Remarks First time for sale to the public! - 3rd-generation owner! 4+ bedroom with a triple car garage on 3/4 of an acre. This adorable farmhouse greets you with a well-maintained exterior featuring an ope
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Exterior
Exterior Features Driveway-Gravel Driveway-Shared Porch
Waterfront 0
Garage Type Detached
Other Structures Kennel/Dog Run
Lot Size Source Assessor
Water Source Public/City Private
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* Excluded Features
List By
Dana Reinders

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 358-0042

Phone

dana@exitisgreat.com

Email

Affordability Calculator

$1,345
Per Month
92%
8%
0%
Monthly Principal & Interest
$1,231
Monthly Property Taxes
$113
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.49% 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
7/1/2026$195,000 Listed Price

Map


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228 4TH Street Street SW, Spencer, IA, 51301 is a Single Family Home for sale at $195,000 with 1,355 sqft and a lot size of 0.77. 228 4TH Street Street SW has 5 bedrooms, 1.0 baths, and was built in 1900. The property's zip code is 51301 which is in Spencer, IA