For sale

Price cut: $20K (6/16)

$299,900

610 20th St, Spirit Lake, IA 51360

4beds

1,864sqft

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Single Family Residence

Built in 1963

8,276 Square Feet Lot

$-- Zestimate^®

$161/sqft

$-- HOA

What's special

Updated kitchenMid-century modern lookNew roof

Very solid home built in 1963 with many original features, giving it a mid-century modern look! Updated kitchen and baths, 2 fireplaces, large concrete patio, and lots of outdoor perennial plants! New roof in April of this year!

129 days

364

13

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Facts & features

Interior

Bedrooms & bathrooms

Bedrooms: 4
Bathrooms: 2
Full bathrooms: 1
3/4 bathrooms: 1

Bedroom 1

Description: Large Bedroom With Two Closets
Level: Main

Bedroom 2

Description: Corner Bedroom With Lots Of Light
Level: Main

Bedroom 3

Description: Front Bedroom Or Den
Level: Main

Bathroom 1

Description: Main Level Bath With Dual Sinks
Level: Main

Bathroom 2

Description: Nice 3/4 Bath In Basement
Level: Lower

Bonus room

Description: Non-Conforming Bedroom Or Craft Room
Level: Lower

Dining room

Description: Formal Dining Area
Level: Main

Family room

Description: Lower Level Family Room With Woodburning Fireplace
Level: Lower

Kitchen

Description: Large, L-Shaped, Eat-In Kitchen
Level: Main

Living room

Description: Spacious Living Area With Gas Fireplace
Level: Main

Storage

Description: Storage, Furnace, Laundry, Workbench, All In One Big Room
Level: Lower

Storage

Description: Additional Storage Room With Shelving
Level: Lower

Heating

Forced Air

Cooling

Central Air

Appliances

Included: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range/Stove, Refrigerator, Washer, Gas Water Heater
Laundry: Washer/Dryer Hkups

Features

Ceiling Fan(s), Eat-in Kitchen, Main Floor Bedrooms, Natural Woodwork
Windows: Window Coverings
Basement: Finished-Partial,Sump Pump,Block,Full
Has fireplace: Yes
Fireplace features: Gas, Wood Burning

Interior area

Total structure area: 2,928
Total interior livable area: 1,864 sqft
Finished area above ground: 1,464
Finished area below ground: 400

Property

Parking

Total spaces: 2
Parking features: Concrete, Attached, Garage Door Opener
Attached garage spaces: 2
Has uncovered spaces: Yes

Features

Levels: One
Stories: 1
Patio & porch: Patio, Porch

Lot

Size: 8,276 Square Feet
Dimensions: 126 x 65
Features: Corner Lot, Landscaped, Paved
Residential vegetation: Heavily Wooded

Details

Foundation area: 1464
Parcel number: 0704402009
Other equipment: Sump Pump

Construction

Type & style

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

Materials

Other, Frame/Wood
Roof: Asphalt

Condition

Year built: 1963

Utilities & green energy

Electric: Circuit Breakers
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: $161/sqft
Tax assessed value: $136,700
Annual tax amount: $1,962
Date on market: 3/10/2026
Road surface type: Paved

Estimated market value

Not available

Estimated sales range

Not available

Price history

Date	Event	Price
6/16/2026	Price change	$299,900-6.3%$161/sqft
Source: Iowa Great Lakes BOR #260104 Report a problem
3/10/2026	Listed for sale	$319,900$172/sqft
Source: Iowa Great Lakes BOR #260104 Report a problem

Public tax history

Year	Property taxes	Tax assessment
2021	$1,812 +2.3%	$136,700 +9.8%
2020	$1,772 +4.7%	$124,500
2019	$1,693 +3.3%	$124,500 +7.7%
2018	$1,638 -1.4%	$115,600
2017	$1,662 +1.5%	$115,600 +4%
2016	$1,638 +5%	$111,200
2015	$1,560 +15%	$111,200 +17.7%
2014	$1,356 +3%	$94,500
2013	$1,316	$94,500

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.