For sale

Price cut: $25K (6/11)

$224,900

3195 190th Ave, Spencer, IA 51301

2beds

696sqft

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Single Family Residence

Built in 1960

4 Acres Lot

$-- Zestimate^®

$323/sqft

$-- HOA

What's special

New furnaceNew oversized double-plus garage

Room to grow on this beautiful 4-acre property featuring an updated 2-bedroom, 2-bath home with the potential and space to add additional bedrooms and expanded living areas. A new oversized double-plus garage, new furnace, water heater and a/c unit adds even more value and functionality, making this acreage hard to resist. Located just northwest of Spencer, this property offers the perfect blend of peaceful country living with close city proximity and so much more.

49 days

530

16

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Facts & features

Interior

Bedrooms & bathrooms

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

Heating

Forced Air

Cooling

Central Air

Appliances

Included: Gas Water Heater

Features

Basement: Full

Interior area

Total structure area: 1,392
Total interior livable area: 696 sqft
Finished area above ground: 696
Finished area below ground: 0

Property

Parking

Total spaces: 2
Parking features: Detached
Garage spaces: 2

Features

Levels: One
Stories: 1

Lot

Size: 4 Acres
Dimensions: 174240 sf

Details

Parcel number: 973728401003

Construction

Type & style

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

Materials

Vinyl Siding, Concrete

Condition

Year built: 1960

Utilities & green energy

Water: Rural/Municipality
Utilities for property: Propane

Community & HOA

Location

Region: Spencer

Financial & listing details

Price per square foot: $323/sqft
Annual tax amount: $92
Date on market: 5/29/2026

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
6/11/2026	Price change	$224,900-10%$323/sqft
Source: Iowa Great Lakes BOR #260534 Report a problem
5/29/2026	Listed for sale	$249,900$359/sqft
Source: Iowa Great Lakes BOR #260534 Report a problem

Public tax history

Tax history is unavailable.

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: 51301

Getting around

1 / 100

Car-Dependent

25 / 100

Somewhat Bikeable

Nearby schools

GreatSchools rating

NA
Johnson Elementary School
Grades: PK-KDistance: 3.9 mi
7/10
Spencer Middle School
Grades: 6-8Distance: 4.7 mi
7/10
Spencer High School
Grades: 9-12Distance: 5.2 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.