For sale

Price cut: $5K (7/14)

$134,000

102 7th St SE, Spencer, IA 51301

3beds

2baths

816sqft

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Single Family Residence, Residential

Built in 1900

3,049 Square Feet Lot

$129,900 Zestimate^®

$164/sqft

$-- HOA

What's special

Functional and inviting layoutFresh and modern feelAll new flooring throughout

Welcome to 102 7th Street SE in Spencer! This charming 1.5-story frame home offers 3 bedrooms and 1 full bathroom with a functional and inviting layout. Recent updates include all new flooring throughout, creating a fresh and modern feel. The kitchen features new stainless steel appliances. The main level provides comfortable living space, while the upper level offers additional bedrooms and flexibility for a variety of needs. Combining character with thoughtful updates, this move-in-ready home is ready for its next owner. Conveniently located near local amenities, this is a property you won't want to miss. Schedule your private showing today! Listing agent is related to the seller. Seller is a licensed realtor. Seller will pay for a one year home warranty at closing.

20 days

494

12

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 2
Main level bathrooms: 1

Rooms

Room types: Kitchen, Dining, Half Bath, Bedroom, Full Bath, Laundry

Heating

Forced Air

Cooling

Window Unit(s), None

Appliances

Included: Water Softener: None
Laundry: In Basement

Features

Basement: Unfinished

Interior area

Total structure area: 816
Total interior livable area: 816 sqft
Finished area above ground: 816
Finished area below ground: 0

Property

Parking

Total spaces: 1
Parking features: Attached, Concrete
Attached garage spaces: 1

Features

Levels: One and One Half
Stories: 1.5

Lot

Size: 3,049 Square Feet

Details

Parcel number: 963618334001

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence, Residential

Materials

Vinyl Siding
Roof: Shingle

Condition

New construction: No
Year built: 1900

Utilities & green energy

Sewer: Public Sewer
Water: City

Community & HOA

Location

Region: Spencer

Financial & listing details

Price per square foot: $164/sqft
Tax assessed value: $70,330
Annual tax amount: $1,126
Price range: $134K - $134K
Date on market: 6/25/2026
Inclusions: stove, fridge

Estimated market value

$129,900

$123,000 - $136,000

$1,021/mo

Price history

Date	Event	Price
7/14/2026	Price change	$134,000-3.6%$164/sqft
Source: Northwest Iowa Regional BOR #833540 Report a problem
6/25/2026	Listed for sale	$139,000$170/sqft
Source: Northwest Iowa Regional BOR #833540 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$1,088 +1.9%	$70,330
2023	$1,068 +3.5%	$70,330 +16%
2022	$1,032 +2.6%	$60,650 +4.9%
2021	$1,006	$57,800 +8.3%
2020	$1,006 +6.1%	$53,380
2019	$948 +1.5%	$53,380 +3.3%
2018	$934	$51,650 +3.1%
2017	$934 -0.6%	$50,110
2016	$940 +2%	$50,110 +1.9%
2015	$922	$49,160
2014	$922 +7.2%	$49,160
2013	$860 +5.1%	--
2012	$818 +15.9%	--
2011	$706 +3.8%	--
2010	$680 -8.6%	--
2009	$744 +7.5%	--
2007	$692	--

Find assessor info on the county website

Monthly payment

Est. payment

Payment breakdown

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Principal & interest
$1,547
Mortgage insurance
$0
Property taxes
$170
Home insurance
$105
HOA fees
$0
Utilities
Not included

All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.

HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.

Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.

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Climate risks

Neighborhood: 51301

Getting around

45 / 100

Car-Dependent

57 / 100

Bikeable

Nearby schools

GreatSchools rating

5/10
Lincoln Elementary School
Grades: 3-5Distance: 0.5 mi
9/10
Spencer Middle School
Grades: 6-8Distance: 1.6 mi
7/10
Spencer High School
Grades: 9-12Distance: 0.8 mi

Schools provided by the listing agent

Elementary: Spencer
Middle: Spencer
High: Spencer

Source: Northwest Iowa Regional BOR. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.