518 3rd Avenue SE Spencer, IA $ 174,000
518 3rd Avenue SE
$ 174,000
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518 3rd Avenue SE

Spencer, IA, 51301
$ 174,000
Bedrooms5 Baths1.1 Sq 1,356

Monthly Estimate*

$ 1,071

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Single Family Home for sale in Spencer, IA

for $174,000 with 5 bedrooms and 1 full bath, 1 half bath. This 1,356 square foot home was built in 1968 on a lot size of 0.19.

Warm and welcoming, this well-maintained 3-bedroom home offers comfort along with thoughtful updates that provide long-term peace of mind. The main floor features three bedrooms and a full bathroom with heated tile flooring for added comfort. A spacious family room addition creates an inviting place to relax or entertain, offering plenty of room for gatherings. The lower level has the potential for 2 additional rooms or a large workshop area as well as a spacious rec room. It has been professionally flood-mitigated and extensively updated, including a new furnace, water heater, air exchanger, electrical, and HVAC ductwork. It currently includes a shower stall with sink and toilet stubbed in, along with a kitchenette stub-in—providing excellent potential for additional living space or the option of a separate suite. The property is complete with an oversized 22 × 34 two-stall garage, offering ample room for vehicles, storage, or workshop space.

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Single Family Active

Price

$ 174,000

Bedrooms

5

Full Bath

1

Half Bath

1

Property Type

Single Family

Taxes

$ 2,606

Style

Ranch

Lot Size

0.19

Year Built

1968

Town/City

Spencer

County/Region

Clay

MLS | Web ID

260085

Features
General
Sewer Public Sewer
Construction Stick Built
Heating Forced Air
Cooling Central
Roof Asphalt
Appliances Dryer Microwave Range/Stove Refrigerator Washer
Flood Zone No
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
Yearly Taxes 2606
Tax Year 2024
Fuel Natural Gas
Status Active
Subdivision IA
Sale/Rent For Sale
Status Detail 0
Lot Sqft 8160
Construction Materials Vinyl Siding
Primary City Spencer
Year Built 1968
City Spencer
Total Sq Ft 2712
DOM 1
Secondary City Clay County
Postal Code 51301
Price Per Sq Ft Total AG 128.32
Public Remarks Warm and welcoming this well-maintained 3-bedroom home offers comfort along with thoughtful updates that provide long-term peace of mind. The main floor features three bedrooms and a full bathroom wi
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Exterior
Waterfront 0
Garage Type Attached
Garage Capacity 22 x 34
Lot Size Source Assessor
Water Source Public/City
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Interior
Furnished Y/N No
Total Baths 2
Full Baths 1
Bath Description Main Floor Full Bath
1/4 Baths 1
Basement Features Sump Pump
Basement Material Concrete Block
Basement Style Full
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* Excluded Features
List By
Cristy Jones

Listing Agent

Exit Realty Midwest- Spencer/Emmetsburg

Broker

(712) 260-0423

Phone

CJ-RE@outlook.com

Email

Affordability Calculator

$1,289
Per Month
83%
17%
0%
Monthly Principal & Interest
$1,071
Monthly Property Taxes
$217
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
3/5/2026$174,000 Listed Price

Map


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518 3rd Avenue SE, Spencer, IA, 51301 is a Single Family Home for sale at $174,000 with 1,356 sqft and a lot size of 0.19. 518 3rd Avenue SE has 5 bedrooms, 1.1 baths, and was built in 1968. The property's zip code is 51301 which is in Spencer, IA