For sale

Price cut: $7K (6/28)

$238,000

605 20th St, Spirit Lake, IA 51360

3beds

1,400sqft

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Single Family Residence

Built in 1890

7,840 Square Feet Lot

$-- Zestimate^®

$170/sqft

$-- HOA

What's special

Dedicated workshop areaMain floor laundrySpacious open kitchenOversized walk-in closetMain floor master suiteAbundant cabinetryBuilt-in storage options

Well-maintained and full of functional space, this inviting 3-bedroom, 2-bathroom home offers comfort, convenience, and plenty of storage throughout. The spacious open kitchen is perfect for entertaining and everyday living, featuring abundant cabinetry and built-in storage options. The main floor master suite includes an oversized walk-in closet that could also serve as a nursery, office, or private sitting area. Enjoy year-round relaxation in the bright 4-season room overlooking the back patio. Main floor laundry adds everyday convenience, while the numerous built-in cabinets throughout the home provide exceptional organization and character. Car enthusiasts, hobbyists, or those needing extra space will appreciate the oversized 3-stall garage complete with a dedicated workshop area. This home has been lovingly cared for and is ready for its next owner to move in and enjoy.

55 days

501

30

Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 3
Bathrooms: 2
Full bathrooms: 2

Heating

Forced Air

Cooling

Central Air

Appliances

Included: Gas Water Heater

Features

Basement: Partial

Interior area

Total structure area: 1,688
Total interior livable area: 1,400 sqft
Finished area above ground: 1,400
Finished area below ground: 0

Property

Parking

Total spaces: 3
Parking features: Concrete, Attached
Attached garage spaces: 3
Has uncovered spaces: Yes

Features

Levels: One and One Half
Stories: 1.5

Lot

Size: 7,840 Square Feet
Dimensions: 63 x 125

Details

Parcel number: 0704405004

Construction

Type & style

Home type: SingleFamily
Property subtype: Single Family Residence
Attached to another structure: Yes

Materials

Vinyl Siding, Frame/Wood, Stick Built

Condition

Year built: 1890

Utilities & green energy

Sewer: Public Sewer
Water: Public
Utilities for property: Natural Gas Connected

Community & HOA

Community

Subdivision: IA

Location

Region: Spirit Lake

Financial & listing details

Price per square foot: $170/sqft
Tax assessed value: $185,200
Annual tax amount: $1,939
Date on market: 5/28/2026

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
6/28/2026	Price change	$238,000-2.9%$170/sqft
Source: Iowa Great Lakes BOR #260526 Report a problem
6/15/2026	Price change	$245,000-3.9%$175/sqft
Source: Iowa Great Lakes BOR #260526 Report a problem
5/28/2026	Listed for sale	$255,000$182/sqft
Source: Iowa Great Lakes BOR #260526 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2025	$1,690 -4.6%	$185,200 +10.6%
2024	$1,772 +13.6%	$167,400
2023	$1,560 +5.3%	$167,400 +26.5%
2022	$1,482 -11.4%	$132,300
2021	$1,672 -4.8%	$132,300 +7.2%
2020	$1,756 -7%	$123,400
2019	$1,889 +4%	$123,400 -4.3%
2018	$1,816 +5%	$129,000
2017	$1,730 +2.4%	$129,000 +4.6%
2016	$1,690 +5.2%	$123,300
2015	$1,606 +12.8%	$123,300 +14.2%
2014	$1,424 +3.2%	$108,000
2013	$1,380 +29.2%	$108,000
2007	$1,068	--

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

72 / 100

Very Walkable

64 / 100

Bikeable

Nearby schools

GreatSchools rating

5/10
Spirit Lake Elementary School
Grades: PK-4Distance: 0.4 mi
5/10
Spirit Lake Middle School
Grades: 5-8Distance: 0.5 mi
7/10
Spirit Lake High School
Grades: 9-12Distance: 0.5 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.