618 W 4th Street Spencer, IA $ 269,000
618 W 4th Street
$ 269,000
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618 W 4th Street

Spencer, IA, 51301
$ 269,000
Bedrooms3 Baths2.1 Sq 3,166

Monthly Estimate*

$ 1,656

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Single Family Home for sale in Spencer, IA

for $269,000 with 3 bedrooms and 2 full baths, 1 half bath. This 3,166 square foot home was built in 1940 on a lot size of 0.2.

Nestled on a picturesque river lot overlooking the Little Sioux River, this charming 1½-story home offers breathtaking views in every season. From vibrant fall colors to peaceful winter scenes, nature provides a stunning backdrop year-round. Enjoy watching wildlife in their natural habitat, and step just outside your back door to launch a canoe or kayak for a day on the water—this is truly a nature lover’s dream. The home features 3 comfortable bedrooms and 2 baths, with the convenience of main-floor laundry. Cozy up by the fireplace on cool evenings, or enjoy additional living space in the finished basement, perfect for relaxing or entertaining. With its rare riverfront setting, scenic beauty, and an inviting layout, this property is truly a one-of-a-kind find. Make your move today and experience riverfront living at its finest.

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Single Family Active

Price

$ 269,000

Bedrooms

3

Full Bath

2

Half Bath

1

Property Type

Single Family

Taxes

$ 3,142

Style

1.5 STORY

Lot Size

0.2

Year Built

1940

Town/City

Spencer

County/Region

Clay

MLS | Web ID

251642

Features
Interior
Interior Features Ceiling Fan(s) Garage Door Opener Hardwood Floors Main Floor Laundry Natural Woodwork Tiled Floors Walk-in Closet Washer/Dryer Hkups Window Coverings
Furnished Y/N No
Total Baths 2
Full Baths 1
Bath Description Main Floor 3/4 Bath Upper Level Bath
1/4 Baths 1
Basement Features Finished-Partial
Basement Material Concrete Block
Basement Style Partial
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General
Sewer Public Sewer
Construction Stick Built
Heating Forced Air
Cooling Central
Roof Asphalt
Appliances Dishwasher Disposal Dryer Microwave Range/Stove Refrigerator Washer
Flood Zone No
Number of Garage Spaces 1
School District Spencer
Electric Breakers
Architctural Style 1.5 STORY
Stories Count 2
Class RESIDENTIAL
Assessments No
Levels One and One Half
Type Single Family Residence
Terms Cash Conventional DVA FHA Rural Development
Yearly Taxes 3142
Property Condition Updated/Remodeled
Tax Year 2024
Fuel Natural Gas
Status Active
Subdivision IA
Sale/Rent For Sale
Status Detail 0
Lot Sqft 8680
Construction Materials Wood Siding
Primary City Spencer
Year Built 1940
City Spencer
Disclosures Lead Based Paint Disc Property Condition Disc
Total Sq Ft 3298
DOM 4
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 84.97
Public Remarks Nestled on a picturesque river lot overlooking the Little Sioux River this charming 1½-story home offers breathtaking views in every season. From vibrant fall colors to peaceful winter scenes nature
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Exterior
Exterior Features Deck Driveway-Concrete
Lot Features Landscaped
Waterfront 1
Garage Type Attached
Other Structures Storage
Lot Size Source Assessor
Water Source Public/City
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* Excluded Features
List By
Lori Black

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 260-1372

Phone

lori.blackexitrealty@gmail.com

Email

Affordability Calculator

$1,918
Per Month
86%
14%
0%
Monthly Principal & Interest
$1,656
Monthly Property Taxes
$262
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
1/22/2026$269,000 Listed Price

Map


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618 W 4th Street, Spencer, IA, 51301 is a Single Family Home for sale at $269,000 with 3,166 sqft and a lot size of 0.2. 618 W 4th Street has 3 bedrooms, 2.1 baths, and was built in 1940. The property's zip code is 51301 which is in Spencer, IA