Skip main navigation
For sale
    • Price cut: $10K (6/16)
    $479,900

    401 W 3rd St, Spencer, IA 51301

    5beds
    4,257sqft
    : 
    $3,378/mo
    Get pre-qualified
    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
    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!
    136 days
    |
    448
    |
    15
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Nicole Nimke PRIM:(712)363-0287,

    EXIT Realty Midwest- Spencer/Emmetsburg

    Source: Iowa Great Lakes BOR,MLS#: 260246MLS Logo

      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: $448,580
      • 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

        DateEventPrice
        6/16/2026Price change$479,900-2%$113/sqft
        Source: Iowa Great Lakes BOR #260246 Report a problem
        5/7/2026Price change$489,900-2%$115/sqft
        Source: Iowa Great Lakes BOR #260246 Report a problem
        4/10/2026Listed for sale$499,900+4.1%$117/sqft
        Source: Iowa Great Lakes BOR #260246 Report a problem
        6/17/2024Listing removed--
        Source: Owner Report a problem
        6/16/2024Listed for sale$480,000+284.3%$113/sqft
        Source: Owner Report a problem
        7/16/2019Sold$124,900-3.8%$29/sqft
        Source: Agent Provided Report a problem
        5/23/2019Pending sale$129,900$31/sqft
        Source: Hometown Realty #18-1066 Report a problem
        5/22/2019Price change$129,900-7.1%$31/sqft
        Source: Hometown Realty #18-1066 Report a problem
        3/20/2019Price change$139,900-6.4%$33/sqft
        Source: Hometown Realty #18-1066 Report a problem
        9/22/2018Price change$149,500-6.3%$35/sqft
        Source: Hometown Realty #18-1066 Report a problem
        8/10/2018Listed for sale$159,500$37/sqft
        Source: Hometown Realty #18-1066 Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,762 +3.5%$448,580 +90.9%
        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

        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.
        See how much you could borrow to make a competitive offer.
        Get pre-qualified

        Climate risks

        Neighborhood: 51301

        Getting around

        59 / 100
        Somewhat Walkable
        55 / 100
        Bikeable

        Nearby schools

        GreatSchools rating
        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.

        Browse local experts

        Similar homes

              Nearby cities

              Nearby zip codes

              Other Spencer Topics

                Search
                Updates
                Favorites
                Plan
                Inbox