For sale

Price cut: $10K (7/8)

$235,000

1108 Fargo Ave, Spirit Lake, IA 51360

4beds

2,288sqft

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Single Family Residence

Built in 1930

0.36 Acres Lot

$-- Zestimate^®

$103/sqft

$-- HOA

What's special

Generous outdoor spaceWalk-in closetSpacious double lotUpdated sidingFresh paintNewer windowsNew sliding door

Welcome to this 4-bed, 3-bath home located in the heart of Spirit Lake—right across the street from East Lake Okoboji! Situated on a spacious double lot, this property offers room to spread out inside and out. Enjoy morning coffee and lake views from your new front deck, or relax on the second new deck overlooking the large, fully fenced backyard. The home features several thoughtful upgrades, including fresh paint, updated siding, added insulation, newer windows, and a new sliding door. The main level offers three comfortable bedrooms, one room including a walk-in closet. The basement adds even more functional space with a fourth bedroom featuring an egress window, along with additional living or storage areas. With its unbeatable location, updates, and generous outdoor space, this Spirit Lake home is ready for you! Enjoy extra room to entertain, and the convenience of being close to everything the Spirit Lake area has to offer!

222 days

1,224

40

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 3
Full bathrooms: 1
3/4 bathrooms: 1
1/2 bathrooms: 1

Heating

Radiant

Appliances

Included: Dishwasher, Dryer, Microwave, Range/Stove, Refrigerator, Washer, Gas Water Heater

Features

Basement: Sump Pump,Block,Full

Interior area

Total structure area: 1,144
Total interior livable area: 2,288 sqft
Finished area above ground: 1,144
Finished area below ground: 1,144

Property

Parking

Total spaces: 2
Parking features: Concrete, Gravel, Attached
Attached garage spaces: 2
Has uncovered spaces: Yes

Features

Levels: One
Stories: 1
Patio & porch: Deck
Fencing: Partial

Lot

Size: 0.36 Acres
Dimensions: 99 x 160

Details

Parcel number: 0704205008
Other equipment: Sump Pump

Construction

Type & style

Home type: SingleFamily
Architectural style: Other
Property subtype: Single Family Residence
Attached to another structure: Yes

Materials

Vinyl Siding, Stick Built

Condition

Year built: 1930

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Natural Gas Connected

Community & HOA

Community

Subdivision: IA

Location

Region: Spirit Lake

Financial & listing details

Price per square foot: $103/sqft
Tax assessed value: $162,700
Annual tax amount: $1,636
Date on market: 12/9/2025

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/8/2026	Price change	$235,000-4.1%$103/sqft
Source: Iowa Great Lakes BOR #251530 Report a problem
5/3/2026	Price change	$245,000-3.9%$107/sqft
Source: Iowa Great Lakes BOR #251530 Report a problem
3/28/2026	Price change	$255,000-3.8%$111/sqft
Source: Iowa Great Lakes BOR #251530 Report a problem
3/2/2026	Price change	$265,000-3.6%$116/sqft
Source: Iowa Great Lakes BOR #251530 Report a problem
12/9/2025	Listed for sale	$275,000+188%$120/sqft
Source: Iowa Great Lakes BOR #251530 Report a problem
9/20/2011	Sold	$95,500$42/sqft
Source: Public Record Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,636 -3.9%	$162,700 +7.5%
2024	$1,702 +2.5%	$151,400
2023	$1,660 +6.3%	$151,400 +22.2%
2022	$1,562 +0.4%	$123,900 +1.7%
2021	$1,556 -5.3%	$121,800 +5.5%
2020	$1,644 +8.9%	$115,500
2019	$1,510 +3.3%	$115,500 +12%
2018	$1,461 +7.8%	$103,100
2017	$1,356 +1.5%	$103,100 +3.9%
2016	$1,336 +5.4%	$99,200
2015	$1,268 +8.4%	$99,200 +9.9%
2014	$1,170 +3.4%	$90,300
2013	$1,132 +23%	$90,300
2007	$920 +8%	--
2005	$852	--

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: 51360

Getting around

51 / 100

Somewhat Walkable

57 / 100

Bikeable

Nearby schools

GreatSchools rating

5/10
Spirit Lake Elementary School
Grades: PK-4Distance: 1 mi
5/10
Spirit Lake Middle School
Grades: 5-8Distance: 1.1 mi
7/10
Spirit Lake High School
Grades: 9-12Distance: 1.1 mi

Schools provided by the listing agent

District: Spirit Lake

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