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220 W 3rd St, Spencer, IA 51301

Clay County

Key Facts

5Beds
2Baths
2,074Sq Ft
1900Year Built
0.12Lot (acres)
1Garage
1Stories

Description

This completely renovated 5 bed, 2 bath home combines timeless charm with the peace of mind that comes from extensive modern updates. Thoughtfully transformed by Orris Construction, this home offers 1,647 finished sq ft, close proximity to downtown Spencer, and quality craftsmanship throughout. From the moment you arrive, you’ll appreciate the fresh curb appeal featuring new siding, gutters, upgraded windows and doors, and fresh landscaping. Inside, the home has been extensively updated with new subfloors and interior walls, giving it a new construction feel. The main floor features a large living area with plenty of natural light, custom built-ins, and a spacious kitchen and dining area for entertaining. Just off the kitchen is a large mudroom with ample storage and convenient access to your laundry and covered patio. Completing the main level is a spacious flex room—to use as your primary bedroom, an office, or however you see fit—as well as a full bath. Heading upstairs provides more flexibility and room to grow with 4 additional bedrooms and another full bath with tile surround. Major mechanical updates including a new furnace, water heater, and electric panel provide added confidence for years to come. This move-in ready home is one you won’t want to miss, so schedule a private showing today!

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

1.5 STORY

Year Built

1900

Stories

1

Living Area

2,074 sq ft

Lot Size

0.12 acres

Lot Dimensions

44x122

Garage Spaces

1

Days on Market

69

MLS® Listing#

260422

Property Features

Interior

Eat-in Kitchen

Appliances

DishwasherDisposalMicrowaveRefrigerator

Cooling

Central Air

Heating

Natural GasForced Air

Basement

UnfinishedPartial

Parking

GravelGarage Door OpenerDetached

Laundry

Main Level

Patio

Patio

Construction

BlockVinyl Siding

Roof

Asphalt

Security

Smoke Detector(s)

Sewer

Public Sewer

Water Source

Public

Schools

District:
Spencer

Financial Details

Annual Taxes

$1,038

Tax year 2024

Parcel Number

963618106002

Directions

From Grand Ave turn east onto W 3rd St. Property is on the south side of the road.

Affordability Calculator

$43,000

Estimated monthly payment

$1,144/mo

Principal $172,000 · Est. interest $239,955 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 10% below the area median.
  • Its price per sq ft is 24% below the area median.

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

Location

  • 220 W 3rd St, 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 · 0.6 mi away

  • Lincoln Elementary School

    Elementary · 0.6 mi away

  • Sacred Heart School

    School · 0.7 mi away

  • Jefferson Head Start

    School · 0.7 mi away

  • Spencer High School

    Secondary · 0.7 mi away

  • Fairview Elementary School

    Elementary · 1.0 mi away

  • Spencer Middle School

    Secondary · 1.3 mi away

  • Iowa Great Lakes Lutheran School

    Secondary · 1.6 mi away

  • Clay Central Everly Community School District

    Elementary · 8.8 mi away

  • Clay Central-Everly Elementary School

    Elementary · 8.9 mi away

  • Safari Child Care Center

    School · 12.3 mi away

  • Ruthven-Ayrshire Community School District

    Elementary · 12.4 mi away

  • Okoboji Elementary School

    Elementary · 12.6 mi away

  • Okoboji High School

    Secondary · 12.6 mi away

  • Graettinger-Terril Elementary School

    Elementary · 14.4 mi away

  • Okoboji Middle School

    Elementary · 15.8 mi away

  • Hartley Melvin Sanborn Community School District

    School · 16.6 mi away

  • Hartley-Melvin-Sanborn High School

    Secondary · 17.2 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
1111 3rd Avenue W, Spencer, IA$173,000421,460
21 W 1ST ST, Spencer, IA$175,00054,308
1207 10Th Avenue E, Spencer, IA$178,000511,636
228 4TH Street SW, Spencer, IA$195,000511,355
1405 11Th Avenue W, Spencer, IA$210,000421,848
113 Parkway Drive, Spencer, IA$213,000421,374

Moving Cost Estimate

EXIT Agents in Spencer

Listing Courtesy: Real Estate Unlimited

Presented by: Sean Kondrath

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#260422. © 2026EXIT Realty®. All rights reserved.