Welcome to this beautifully updated 5-bedroom, 3-bath home, where timeless 1916 charm meets modern comfort. Filled with abundant natural light, this home showcases thoughtful design details and original character that create a warm, inviting feel from the moment you walk in. At the heart of the home is a high-end kitchen featuring sleek finishes and premium Beko appliances. The spacious layout offers generously sized bedrooms and updated bathrooms, while preserving the craftsmanship and unique touches of its era. The private primary bedroom wing is a true retreat, complete with it's own walkout to the backyard patio. Downstairs, the basement includes a second full kitchen and its own private entrance, offering excellent potential for an income-producing space, guest suite, or multi-generational living. Situated on a desirable corner lot, the property includes a private, fenced-in yard that's perfect for relaxing or hosting gatherings. With its bright interiors, charming character, and stylish updates, this home is truly one of a kind!
For sale
Price cut: $10K (6/16)
$479,900
401 W 3rd St, Spencer, IA 51301
5beds
4,257sqft
Single Family Residence
Built in 1916
0.3 Acres Lot
$-- Zestimate®
$113/sqft
$-- HOA
What's special
Original characterSleek finishesStylish updatesPrivate primary bedroom wingUpdated bathroomsAbundant natural lightHigh-end kitchen
- 82 days |
- 528 |
- 20 |
Zillow last checked:
Listing updated:
Listed by:
Nicole Nimke PRIM:(712)363-0287,
EXIT Realty Midwest- Spencer/Emmetsburg
Source: Iowa Great Lakes BOR,MLS#: 260246
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Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 3/4 bathrooms: 1
Primary bedroom
- Level: Main
Bedroom 2
- Level: Main
Bedroom 3
- Level: Main
Bedroom 4
- Level: Basement
Bedroom 5
- Level: Basement
Primary bathroom
- Level: Main
Bathroom 2
- Level: Main
Bathroom 3
- Level: Basement
Other
- Level: Basement
Den
- Level: Main
Dining room
- Level: Main
Kitchen
- Level: Main
Library
- Level: Main
Living room
- Level: Main
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Microwave, Range/Stove, Refrigerator, Washer, Electric Water Heater
Features
- Basement: Finished,Full
Interior area
- Total structure area: 5,602
- Total interior livable area: 4,257 sqft
- Finished area above ground: 2,801
- Finished area below ground: 1,456
Property
Parking
- Total spaces: 2
- Parking features: Attached
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
Lot
- Size: 0.3 Acres
- Dimensions: 100 x 132
Details
- Parcel number: 963713227012
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Wood Siding, Stick Built
Condition
- Year built: 1916
Utilities & green energy
- 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: $113/sqft
- Tax assessed value: $234,990
- Annual tax amount: $3,762
- Date on market: 4/10/2026
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
| Date | Event | Price |
|---|---|---|
| 6/16/2026 | Price change | $479,900-2%$113/sqft |
Source:  Iowa Great Lakes BOR #260246 Report a problem | ||
| 5/7/2026 | Price change | $489,900-2%$115/sqft |
Source: Iowa Great Lakes BOR #260246 Report a problem | ||
| 4/10/2026 | Listed for sale | $499,900+4.1%$117/sqft |
Source: Iowa Great Lakes BOR #260246 Report a problem | ||
| 6/17/2024 | Listing removed | -- |
Source: Owner Report a problem | ||
| 6/16/2024 | Listed for sale | $480,000+284.3%$113/sqft |
Source: Owner Report a problem | ||
| 7/16/2019 | Sold | $124,900-3.8%$29/sqft |
Source: Agent Provided Report a problem | ||
| 5/23/2019 | Pending sale | $129,900$31/sqft |
Source: Hometown Realty #18-1066 Report a problem | ||
| 5/22/2019 | Price change | $129,900-7.1%$31/sqft |
Source: Hometown Realty #18-1066 Report a problem | ||
| 3/20/2019 | Price change | $139,900-6.4%$33/sqft |
Source: Hometown Realty #18-1066 Report a problem | ||
| 9/22/2018 | Price change | $149,500-6.3%$35/sqft |
Source: Hometown Realty #18-1066 Report a problem | ||
| 8/10/2018 | Listed for sale | $159,500$37/sqft |
Source: Hometown Realty #18-1066 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,634 +133.5% | $234,990 |
| 2023 | $1,556 -36.9% | $234,990 +166% |
| 2022 | $2,466 +2.5% | $88,340 -36% |
| 2021 | $2,406 | $137,970 +8% |
| 2020 | $2,406 -13.9% | $127,720 -12% |
| 2019 | $2,794 +7.7% | $145,060 -4.8% |
| 2018 | $2,594 | $152,330 +6.1% |
| 2017 | $2,594 +2.6% | $143,540 |
| 2016 | $2,528 +1.9% | $143,540 +1.8% |
| 2015 | $2,480 | $140,970 |
| 2014 | $2,480 +11.7% | $140,970 |
| 2013 | $2,220 +3.5% | -- |
| 2012 | $2,144 +3.8% | -- |
| 2011 | $2,066 +4% | -- |
| 2010 | $1,986 +12.7% | -- |
| 2009 | $1,762 +8.4% | -- |
| 2007 | $1,626 +4.4% | -- |
| 2005 | $1,558 | -- |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.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
Nearby schools
GreatSchools rating
- NAJohnson Elementary SchoolGrades: PK-KDistance: 0.5 mi
- 9/10Spencer Middle SchoolGrades: 6-8Distance: 1.4 mi
- 7/10Spencer High SchoolGrades: 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.
A local agent can set up tours, give advice and negotiate with sellers.
- Iowa
- Clay County
- Spencer
- 51301
- 401 W 3rd St
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