For sale

Price cut: $2K (8/24)

$116,500

325 E 13th St, Spencer, IA 51301

4beds

1,477sqft

$883/mo

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Single Family Residence

Built in 1910

0.28 Acres Lot

$-- Zestimate^®

$79/sqft

$-- HOA

What's special

Main-floor bedroomsConvenient main-floor livingUpdated flooring throughoutNeutral finishesLarge yard

Searching for a move-in-ready home in Spencer, Iowa with a large yard and convenient main-floor living. This 4-bedroom, 1-bathroom home offers 1,477 square feet of comfortable living space on a spacious 0.28-acre corner lot. Inside, you'll find updated flooring throughout, neutral finishes, main-floor bedrooms, and main-floor laundry designed for convenience and everyday comfort. The upper level provides additional living space perfect for growing families, guests, or a home office. The oversized corner lot provides plenty of room for outdoor activities and offers excellent potential to add a large garage, workshop, or additional storage building. Whether you're a first-time buyer, growing family, or someone looking for affordable space in Spencer, this property delivers exceptional value. Seller is licensed real estate broker for state of Iowa

79 days

627

24

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 1
Full bathrooms: 1

Bedroom 1

Level: Main
Dimensions: 14.25 x 7.11

Bedroom 2

Level: Main
Dimensions: 12.87 x 7.31

Bedroom 3

Level: Upper
Dimensions: 14.8 x 14.5

Bedroom 4

Level: Upper
Dimensions: 14.9 x 12

Bathroom 1

Level: Main
Dimensions: 11.21 x 6.24

Kitchen

Level: Main
Dimensions: 15.7 x 11.21

Living room

Level: Main
Dimensions: 19.55 x 14.9

Heating

Forced Air

Cooling

Central Air

Appliances

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

Features

Main Floor Bedrooms
Basement: Unfinished,Block,Partial
Has fireplace: No
Fireplace features: None

Interior area

Total structure area: 1,477
Total interior livable area: 1,477 sqft
Finished area above ground: 1,477
Finished area below ground: 0

Property

Parking

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

Features

Levels: One and One Half
Stories: 1.5

Lot

Size: 0.28 Acres
Dimensions: 86 x 142
Features: Corner Lot

Details

Parcel number: 963607251010

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence

Materials

Vinyl Siding, Stick Built
Roof: Asphalt

Condition

Year built: 1910

Utilities & green energy

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

Community & HOA

Community

Subdivision: IA

Location

Region: Spencer

Financial & listing details

Price per square foot: $79/sqft
Tax assessed value: $101,030
Annual tax amount: $1,144
Date on market: 6/9/2026
Road surface type: Paved

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
8/24/2026	Price change	$116,500-1.7%$79/sqft
Source: Iowa Great Lakes BOR #260594 Report a problem
8/4/2026	Price change	$118,500-2.5%$80/sqft
Source: Iowa Great Lakes BOR #260594 Report a problem
7/14/2026	Price change	$121,500-2.4%$82/sqft
Source: Iowa Great Lakes BOR #260594 Report a problem
6/18/2026	Price change	$124,500-3.9%$84/sqft
Source: Iowa Great Lakes BOR #260594 Report a problem
6/9/2026	Listed for sale	$129,500$88/sqft
Source: Iowa Great Lakes BOR #260594 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,144 +3.6%	$101,030 +41.5%
2024	$1,104 +2.2%	$71,410
2023	$1,080 +2.1%	$71,410 +16.5%
2022	$1,058 -7.7%	$61,310 +3.6%
2021	$1,146	$59,170 -2.7%
2020	$1,146 +1.1%	$60,820
2019	$1,134 +1.4%	$60,820 -1.7%
2018	$1,118	$61,850 +1.3%
2017	$1,118 -2.3%	$61,030
2016	$1,144 +14.2%	$61,030 +14.3%
2015	$1,002	$53,410
2014	$1,002 +1.4%	$53,410
2013	$988	--

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

55 / 100

Somewhat Walkable

52 / 100

Bikeable

Nearby schools

GreatSchools rating

NA
Fairview Park Elementary School
Grades: 1-2Distance: 0.2 mi
7/10
Spencer Middle School
Grades: 6-8Distance: 0.5 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.