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520 4Th Avenue W, Spencer, IA 51301

RAILWAY 2ND ADDITION · Clay County

Key Facts

3Beds
2Baths
1,502Sq Ft
1900Year Built
0.24Lot (acres)
2Garage
2Stories

Description

The kind of home that's easy to picture yourself in! This 3 bedroom, 2 bathroom home sits on a desirable corner lot and offers a great blend of comfort and function. The beautifully updated kitchen is the heart of the home, while the convenient main-floor laundry makes every day living a breeze. You'll love the generously sized bedrooms, each offering room to spread out, while the spacious master suite features a private bathroom and a large walk-in closet. Outside, enjoy a welcoming front porch that's perfect for morning coffee or relaxing evenings, along with a fully fenced-in backyard that provides plenty of room to relax, entertain or garden. If you've been waiting for a home with space, updates and a layout that works, this one is worth a look!

Property Information

Property Type

Residential

Sub-Type

Single Family Residence

Style

TWO STORY

Year Built

1900

Stories

2

Living Area

1,502 sq ft

Lot Size

0.24 acres

Lot Dimensions

75x142

Garage Spaces

2

MLS® Listing#

260739

Property Features

Appliances

DishwasherDryerMicrowaveRefrigeratorWasher

Cooling

Window Unit(s)

Heating

Natural Gas

Basement

Full

Parking

Detached

Construction

Vinyl Siding

Sewer

Public Sewer

Water Source

Public

Schools

District:
Spencer

Financial Details

Annual Taxes

$2,256

Tax year 2024

Parcel Number

963607355001

Affordability Calculator

$33,200

Estimated monthly payment

$884/mo

Principal $132,800 · Est. interest $185,268 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 30% below the area median.
  • Its price per sq ft is 19% below the area median.

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

Location

  • 520 4Th Avenue W, Spencer, IA 51301

Points of Interest in Spencer, IA

Showing the Spencer area map.

Nearby Schools

  • Spencer Community Schools

    School · 0.3 mi away

  • Johnson Elementary

    Elementary · 0.4 mi away

  • Sacred Heart School

    School · 0.5 mi away

  • Jefferson Head Start

    School · 0.6 mi away

  • Lincoln Elementary School

    Elementary · 0.8 mi away

  • Spencer High School

    Secondary · 0.9 mi away

  • Fairview Elementary School

    Elementary · 0.9 mi away

  • Spencer Middle School

    Secondary · 1.2 mi away

  • Iowa Great Lakes Lutheran School

    Secondary · 1.6 mi away

  • Clay Central-Everly Elementary School

    Elementary · 8.8 mi away

  • Clay Central Everly Community School District

    Elementary · 8.8 mi away

  • Safari Child Care Center

    School · 12.1 mi away

  • Okoboji Elementary School

    Elementary · 12.4 mi away

  • Okoboji High School

    Secondary · 12.4 mi away

  • Ruthven-Ayrshire Community School District

    Elementary · 12.5 mi away

  • Graettinger-Terril Elementary School

    Elementary · 14.3 mi away

  • Okoboji Middle School

    Elementary · 15.6 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 · 18.1 mi away

Commute Calculator

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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#260739. © 2026EXIT Realty®. All rights reserved.