For sale

Price cut: $65K (7/8)

$510,000

26121 105th St, Spirit Lake, IA 51360

3beds

720sqft

$3,631/mo

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Single Family Residence

Built in 1954

7,405 Square Feet Lot

$-- Zestimate^®

$708/sqft

$31/mo HOA

What's special

Charming cottageDock includedRaised picnic areaExceptional lakeside settingScreened-in sunroomSwim off the dockThree bedrooms

Summer Cottage… Beautiful lot with 56 feet of shoreline and an easy, low approach to the water. Situated on one of the largest lots in the area on the North Shore of Big Spirit Lake, this unique property enjoys water views on both sides, creating an exceptional lakeside setting. This charming cottage features three bedrooms and a screened-in sunroom, the perfect place to relax and enjoy the views. Outdoors is where you'll spend most of your time. Swim off the dock, enjoy boating, kayaking, fishing, or simply soak up the tranquil surroundings. Spend your days in the shade and your evenings by the fire. Dock included, along with a raised picnic area and a storage shed. Located just a stone's throw from The Grade, known for great fishing, this property offers the perfect combination of recreation, relaxation, and natural beauty.

50 days

1,456

28

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 1
Full bathrooms: 1

Heating

Baseboard

Cooling

Window Unit(s)

Appliances

Included: Range/Stove, Refrigerator, Electric Water Heater

Features

Main Floor Bedrooms
Basement: None
Has fireplace: No
Fireplace features: None

Interior area

Total structure area: 720
Total interior livable area: 720 sqft
Finished area above ground: 720
Finished area below ground: 0

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Property

Parking

Parking features: Gravel, No Garage
Has uncovered spaces: Yes

Features

Levels: One
Stories: 1
Patio & porch: Deck
Exterior features: Dock
Has view: Yes
View description: Lake
Has water view: Yes
Water view: Lake
Waterfront features: Waterfront, Lake
Body of water: Big Spirit Lake
Frontage length: Waterfront Frontage: 56

Lot

Size: 7,405 Square Feet
Dimensions: 56 front x 127 side x 74 rear
Features: Accessible Shoreline, Irregular Lot, Landscaped

Details

Additional structures: Storage
Parcel number: 0311301010

Construction

Type & style

Home type: SingleFamily
Architectural style: Cottage
Property subtype: Single Family Residence

Materials

Wood Siding, Frame/Wood
Roof: Asphalt

Condition

Year built: 1954

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Electricity Connected

Community & HOA

Community

Subdivision: IA

HOA

Has HOA: Yes
Services included: Trash
HOA fee: $375 annually
HOA name: Shore Acres
HOA phone: 217-412-8378

Location

Region: Spirit Lake

Financial & listing details

Price per square foot: $708/sqft
Tax assessed value: $541,200
Annual tax amount: $3,216
Date on market: 6/4/2026
Electric utility on property: Yes

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
7/8/2026	Price change	$510,000-11.3%$708/sqft
Source: Iowa Great Lakes BOR #260560 Report a problem
6/4/2026	Listed for sale	$575,000$799/sqft
Source: Iowa Great Lakes BOR #260560 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$3,216 -3.4%	$541,200 +34.1%
2024	$3,330 +2.2%	$403,700
2023	$3,258 +2.5%	$403,700 +20.9%
2022	$3,180 +11.9%	$333,800
2021	$2,842 +2.1%	$333,800 +18.2%
2020	$2,784 +2.2%	$282,500
2019	$2,725 +4.9%	$282,500 +1.6%
2018	$2,597 -3.6%	$278,000
2017	$2,694 +3.7%	$278,000 +5.1%
2016	$2,598 +5.4%	$264,600
2015	$2,464 -0.1%	$264,600 +3.5%
2014	$2,466 +3.2%	$255,700
2013	$2,390	$255,700

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

0 / 100

Car-Dependent

30 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

5/10
Spirit Lake Elementary School
Grades: PK-4Distance: 5.7 mi
5/10
Spirit Lake Middle School
Grades: 5-8Distance: 5.8 mi
7/10
Spirit Lake High School
Grades: 9-12Distance: 5.8 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.