Pending

$390,000

2297 165th St, Spirit Lake, IA 51360

3beds

1,500sqft

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Duplex

Built in 1990

-- sqft lot

$-- Zestimate^®

$260/sqft

$-- HOA

What's special

Quality windows throughoutUpdated kitchen

Situated in the 'Center Lake South' neighborhood is this upstairs/downstairs duplex on slightly over one acre of treed land space. With an uninterrupted view of Center lake, the land on the lake side of the road is owned by the DNR so will never be built upon. The lower level 2 bedroom, one bath living space is in good shape with an updated kitchen, flooring, and quality windows throughout. The view from the living room is just fantastic. The separate access upstairs efficiency apartment features kitchen area, 3/4 bath, and open living/bedroom arrangement. And the views from both levels are truly inspiring. Shared laundry space on main level. Quiet, out of the way location on a low traffic road, yet close to everything.

7 days

625

27

Facts & features

Interior

Bedrooms & bathrooms

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

Bathroom

Features: 3/4 Master, Upper Level Bath

Dining room

Features: Combine Living Room

Heating

Forced Air

Cooling

Central Air

Appliances

Included: Dishwasher, Disposal, Dryer, Microwave, Range/Stove, Washer, Gas Water Heater
Laundry: Main Level, Washer/Dryer Hkups

Features

Ceiling Fan(s)
Basement: None
Has fireplace: Yes
Fireplace features: Wood Burning, None

Interior area

Total structure area: 1,500
Total interior livable area: 1,500 sqft
Finished area above ground: 1,500
Finished area below ground: 0

Property

Parking

Total spaces: 2
Parking features: Detached, Garage Door Opener
Garage spaces: 2

Features

Levels: One and One Half
Stories: 1.5
Has view: Yes
View description: Lake
Has water view: Yes
Water view: Lake

Lot

Size: 1 Acres
Dimensions: 155 x 336
Features: Accessible Shoreline, Paved
Residential vegetation: Heavily Wooded

Details

Parcel number: 0707426024

Construction

Type & style

Home type: MultiFamily
Architectural style: Other
Property subtype: Duplex

Materials

Wood Siding, Frame/Wood
Roof: Asphalt

Condition

Updated/Remodeled
Year built: 1990

Utilities & green energy

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

Green energy

Water conservation: Natural water/drainage

Community & HOA

Community

Security: Smoke Detector(s)
Subdivision: IA

Location

Region: Spirit Lake

Financial & listing details

Price per square foot: $260/sqft
Tax assessed value: $298,200
Annual tax amount: $1,862
Date on market: 7/11/2026
Listing terms: Cash

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/14/2026	Pending sale	$390,000$260/sqft
Source: Iowa Great Lakes BOR #260798 Report a problem
7/11/2026	Listed for sale	$390,000+51.2%$260/sqft
Source: Iowa Great Lakes BOR #260798 Report a problem
4/6/2016	Listing removed	$258,000$172/sqft
Source: Hoien Realty #16-119 Report a problem
4/6/2016	Pending sale	$258,000$172/sqft
Source: Hoien Realty #16-119 Report a problem
2/25/2016	Listed for sale	$258,000$172/sqft
Source: Hoien Realty #16-119 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,862 -0.5%	$298,200 +9%
2024	$1,872 -6.6%	$273,500 -4.2%
2023	$2,004 +2.7%	$285,600 +15.9%
2022	$1,952 +1.2%	$246,500
2021	$1,928 -1.6%	$246,500 +6.9%
2020	$1,959 +5.7%	$230,500
2019	$1,854 +3.2%	$230,500 +4.4%
2018	$1,796 +2.3%	$220,700
2017	$1,756 +1.9%	$220,700 +4.7%
2016	$1,724 +2.6%	$210,700
2015	$1,680 +4.9%	$210,700 +8.3%
2014	$1,602 +2.8%	$194,500
2013	$1,558	$194,500

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

22 / 100

Car-Dependent

57 / 100

Bikeable

Nearby schools

GreatSchools rating

5/10
Spirit Lake Elementary School
Grades: PK-4Distance: 1.7 mi
5/10
Spirit Lake Middle School
Grades: 5-8Distance: 1.8 mi
7/10
Spirit Lake High School
Grades: 9-12Distance: 1.7 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.