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401 W 3Rd Street, Spencer, IA 51301

HUTTENLOCHERS ADDITION · Clay County

Key Facts

5Beds
3Baths
5,602Sq Ft
1916Year Built
0.30Lot (acres)
2Garage
1Stories

Description

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!

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

Ranch

Year Built

1916

Stories

1

Living Area

5,602 sq ft

Lot Size

0.30 acres

Lot Dimensions

100x132

Garage Spaces

2

Days on Market

94

MLS® Listing#

260246

Property Features

Appliances

DishwasherDryerMicrowaveRefrigeratorWasher

Cooling

Central Air

Heating

Natural GasForced Air

Basement

FinishedFull

Parking

Attached

Construction

Wood Siding

Sewer

Public Sewer

Water Source

Public

Schools

District:
Spencer

Financial Details

Annual Taxes

$3,762

Tax year 2024

Parcel Number

963713227012

Affordability Calculator

$95,980

Estimated monthly payment

$2,554/mo

Principal $383,920 · Est. interest $535,603 over 30 yrs

Neighborhood Market Statistics

How this home compares to active listings in Spencer, IA

$237,931
Median Listing Price
77
Median Days on Market
1,533
Median Sq Ft
$136
Median Price / Sq Ft
51
Active Listings
  • This home’s price is 102% above the area median.
  • Its price per sq ft is 37% below the area median.

Market statistics compiled from active EXIT Realty® and MLS listings in Spencer, IA.

Location

  • 401 W 3Rd Street, Spencer, IA 51301

Points of Interest in Spencer, IA

Showing the Spencer area map.

Nearby Schools

  • Spencer Community Schools

    School · 0.4 mi away

  • Johnson Elementary

    Elementary · 0.5 mi away

  • Lincoln Elementary School

    Elementary · 0.6 mi away

  • Sacred Heart School

    School · 0.7 mi away

  • Jefferson Head Start

    School · 0.8 mi away

  • Spencer High School

    Secondary · 0.9 mi away

  • Fairview Elementary School

    Elementary · 1.1 mi away

  • Spencer Middle School

    Secondary · 1.3 mi away

  • Iowa Great Lakes Lutheran School

    Secondary · 1.7 mi away

  • Clay Central Everly Community School District

    Elementary · 8.7 mi away

  • Clay Central-Everly Elementary School

    Elementary · 8.8 mi away

  • Safari Child Care Center

    School · 12.3 mi away

  • Ruthven-Ayrshire Community School District

    Elementary · 12.6 mi away

  • Okoboji Elementary School

    Elementary · 12.6 mi away

  • Okoboji High School

    Secondary · 12.6 mi away

  • Graettinger-Terril Elementary School

    Elementary · 14.5 mi away

  • Okoboji Middle School

    Elementary · 15.8 mi away

  • Hartley Melvin Sanborn Community School District

    School · 16.5 mi away

  • Hartley-Melvin-Sanborn High School

    Secondary · 17.1 mi away

  • Northwest Iowa School of Taxidermy

    Secondary · 18.3 mi away

Commute Calculator

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Nearby Homes

Similar Homes Nearby

Similar Home Values

Comparable nearby listings and their asking prices.

AddressPriceBedsBathsSq Ft
1107 W 4th Street, Spencer, IA$350,000542,128
1725 1st Avenue E, Spencer, IA$369,500533,004
1012 W 11Th Street, Spencer, IA$374,900542,943
924 1st Avenue SW, Spencer, IA$389,900532,913

Moving Cost Estimate

EXIT Agents in Spencer

Listing Courtesy: EXIT Realty Midwest- Spencer/Emmetsburg - PRIM: (712) 363-0287

The data relating to real estate for sale on this website comes in part from the Internet Data exchange program of Iowa Great Lakes Board of REALTORS®. IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Copyright ©2026 Iowa Great Lakes Board of REALTORS®. All rights reserved.

The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of one or more Multiple Listing Services (MLS). Listing information is deemed reliable but is not guaranteed accurate. Copyright © EXIT Realty® and respective MLS providers.

Data provided by IowaGL. MLS® Listing#260246. © 2026EXIT Realty®. All rights reserved.