For sale

Price cut: $10K (8/4)

$185,000

228 4th St SW, Spencer, IA 51301

5beds

1,355sqft

$1,377/mo

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Single Family Residence

Built in 1900

0.77 Acres Lot

$-- Zestimate^®

$137/sqft

$-- HOA

What's special

First time for sale to the public! - 3rd-generation owner! 4+ bedroom with a triple car garage on 3/4 of an acre. This adorable farmhouse greets you with a well-maintained exterior featuring an open front porch and vinyl siding. The rear of the house has an enclosed porch that has the laundry on the main & can be used as a mudroom. The main floor has been remodeled with updated flooring, newer windows, an Onyx shower system, and wood cabinets in the eat-in kitchen. This can be all-on-one-level living as the main floor has a bedroom as well. The upstairs has 3 bedrooms and one extra non-conforming bedroom or office or 2nd living area or 2nd bathroom option. Freshly painted throughout & professionally cleaned. The HVAC, water heater, and electrical panel were new in 2024. The triple car garage and ample off-street parking are hard to find in town, along with space to have a good garden. This home is ready for you!

42 days

810

36

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 5
Bathrooms: 1
3/4 bathrooms: 1

Bathroom

Features: Main Floor 3/4 Bath

Dining room

Features: Eat-in, Open Floorplan

Heating

Forced Air

Cooling

Wall Unit(s)

Appliances

Included: Dryer, Range/Stove, Refrigerator, Washer, Gas Water Heater
Laundry: Main Level, Washer/Dryer Hkups

Features

Ceiling Fan(s), Main Floor Bedrooms, Natural Woodwork
Flooring: Hardwood
Basement: Unfinished,Partial
Has fireplace: No
Fireplace features: None

Interior area

Total structure area: 1,505
Total interior livable area: 1,355 sqft
Finished area above ground: 1,355
Finished area below ground: 0

Property

Parking

Total spaces: 3
Parking features: Gravel, Shared Driveway, Detached, Garage Door Opener
Garage spaces: 3
Has uncovered spaces: Yes

Features

Levels: One and One Half
Stories: 1.5
Patio & porch: Porch

Lot

Size: 0.77 Acres
Dimensions: 127 x 264

Details

Additional structures: Kennel/Dog Run
Parcel number: 963618301004

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Vinyl Siding, Stick Built
Roof: Asphalt

Condition

Updated/Remodeled
New construction: No
Year built: 1900

Utilities & green energy

Electric: Circuit Breakers
Sewer: Public Sewer
Water: Public, Private
Utilities for property: Natural Gas Connected

Community & HOA

Community

Subdivision: IA

Location

Region: Spencer

Financial & listing details

Price per square foot: $137/sqft
Tax assessed value: $96,340
Annual tax amount: $1,360
Date on market: 7/1/2026

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
8/4/2026	Price change	$185,000-5.1%$137/sqft
Source: Iowa Great Lakes BOR #260753 Report a problem
7/1/2026	Listed for sale	$195,000$144/sqft
Source: Iowa Great Lakes BOR #260753 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,360 +3.8%	$96,340 +1.2%
2024	$1,310 -2.7%	$95,210
2023	$1,346 +12.4%	$95,210 +11.6%
2022	$1,198 -1.2%	$85,290 +12.2%
2021	$1,212	$76,020 +4.2%
2020	$1,212 +14.6%	$72,930
2019	$1,058 +1.9%	$72,930 +10.2%
2018	$1,038	$66,150 -1.9%
2017	$1,038 -5.6%	$67,400
2016	$1,100 -2%	$67,400 -1.7%
2015	$1,122	$68,590
2014	$1,122 +5.6%	$68,590
2013	$1,062 +2.1%	--
2012	$1,040 -1.1%	--
2011	$1,052 +4.4%	--
2010	$1,008 -3.1%	--
2009	$1,040 +6.8%	--
2007	$974 +26.2%	--
2005	$772	--

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.

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Climate risks

Neighborhood: 51301

Getting around

53 / 100

Somewhat Walkable

53 / 100

Bikeable

Nearby schools

GreatSchools rating

5/10
Lincoln Elementary School
Grades: 3-5Distance: 0.2 mi
7/10
Spencer Middle School
Grades: 6-8Distance: 1.6 mi
7/10
Spencer High School
Grades: 9-12Distance: 1 mi

Schools provided by the listing agent

District: Spencer

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.