For sale

$495,000

20688 Spruce Ave, Mason City, IA 50401

4beds

3baths

4,101sqft

$3,494/mo

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Single Family Residence

Built in 1940

2.67 Acres Lot

$474,100 Zestimate^®

$121/sqft

$-- HOA

What's special

Main floor laundryMain floor officeViews galoreSuper-sized kitchenGarden shedCharming flower beds

This fabulous acreage offers everything you've been searching for...and more! Words cannot fully describe the added features, quality of construction and condition of this home. Features include super-sized kitchen and main floor laundry, master bedroom with walk-in closet and master bath, main floor office, gorgeous game room/bar, cozy four-seasons sun room offering spectacular sunsets, heated attached, garage, additional detached 25 x 17 garage with attached heated shop area and office, garden shed, charming flower beds and views galore. Only minutes from downtown, so don't wait another moment to place the call because acreages of this caliber rarely hit the market. Seeing is believing....it's Z-BEST!

46 days

679

9

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 3
Main level bathrooms: 3
Main level bedrooms: 1

Bedroom 1

Description: With walk-in closet
Level: Main
Area: 180
Dimensions: 15 x 12

Bedroom 2

Description: super-cozy loft bedroom
Level: Upper
Area: 297
Dimensions: 27 x 11

Bedroom 3

Level: Upper
Area: 255.2
Dimensions: 22 x 11.6

Bedroom 4

Level: Upper
Area: 255.2
Dimensions: 22 x 11.6

Primary bathroom

Features: Master Bath

Bathroom 1

Features: Separate Shower, Shower, Tub

Dining room

Features: Eat-in Kitchen, Formal Dining
Area: 180
Dimensions: 15 x 12

Family room

Description: With fireplace
Level: Main
Area: 270
Dimensions: 18 x 15

Kitchen

Description: gorgeous walnut cabinetry
Area: 247
Dimensions: 19 x 13

Living room

Area: 274.4
Dimensions: 19.6 x 14

Heating

Forced Air, Natural Gas, Propane-Leased

Cooling

Central Air

Appliances

Included: Built-In Oven, Built-In Range, Microwave, Pantry, Refrigerator, Washer/Dryer, Water Softener Owned

Features

Ceiling Fan(s), Natural Wood, Open Staircase, Walk-In Closet(s), Wet Bar
Flooring: Vinyl, Wood, Carpet
Windows: Thermal
Basement: Crawl Space,Partial,Sump Pump
Number of fireplaces: 1
Fireplace features: One, Gas Log

Interior area

Total structure area: 4,101
Total interior livable area: 4,101 sqft

Property

Parking

Total spaces: 3
Parking features: Attached, Detached, Garage Door Opener, Heated Garage, Workshop in Garage, Addl Single Garage, Concrete
Attached garage spaces: 3

Features

Levels: Two
Patio & porch: Patio
Exterior features: Storage

Lot

Size: 2.67 Acres

Details

Additional structures: Storage
Parcel number: 032520000800
Zoning description: A/AGRICULTURE

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Frame, Wood Siding, Attic Insulation, Sidewall Insulation
Foundation: Block, Stone, Wood
Roof: Asphalt

Condition

Year built: 1940

Utilities & green energy

Sewer: Septic Tank
Water: Well

Community & HOA

Community

Security: Security System, Smoke Detector(s)
Subdivision: IA

Location

Region: Mason City

Financial & listing details

Price per square foot: $121/sqft
Tax assessed value: $457,020
Annual tax amount: $4,338
Date on market: 6/18/2026

Estimated market value

$474,100

$450,000 - $498,000

$3,083/mo

Price history

Date	Event	Price
6/18/2026	Listed for sale	$495,000$121/sqft
Source: Greater Mason BOR #260429 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2024	$4,284 -17.5%	$424,310
2023	$5,192 -1.8%	$424,310 +12.1%
2022	$5,289 +4.9%	$378,420 +6.3%
2021	$5,044 +12.3%	$355,880 +10.8%
2020	$4,492	$321,250 -0.5%
2019	$4,492 +22.5%	$322,730 +2.3%
2018	$3,667 -1.7%	$315,400
2017	$3,730 +12.3%	--
2016	$3,322	--
2015	$3,322 -4%	--
2014	$3,462 +11.2%	--
2013	$3,114 +9.4%	--
2012	$2,846 +24.2%	--
2007	$2,292	--

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: 50401

Getting around

0 / 100

Car-Dependent

0 / 100

No Nearby Transit

25 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

3/10
Harding Elementary School
Grades: PK-4Distance: 2.9 mi
4/10
John Adams Middle School
Grades: 7-8Distance: 3.3 mi
5/10
Mason City High School
Grades: 9-12Distance: 3.3 mi

Schools provided by the listing agent

District: Mason City

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