Warm and welcoming, this well-maintained 3-bedroom home offers comfort along with thoughtful updates that provide long-term peace of mind. The main floor features three bedrooms and a full bathroom with heated tile flooring for added comfort. A spacious family room addition creates an inviting place to relax or entertain, offering plenty of room for gatherings. The lower level has the potential for 2 additional rooms or a large workshop area as well as a spacious rec room. It has been professionally flood-mitigated and extensively updated, including a new furnace, water heater, air exchanger, electrical, and HVAC ductwork. It currently includes a shower stall with sink and toilet stubbed in, along with a kitchenette stub-in—providing excellent potential for additional living space or the option of a separate suite. The property is complete with an oversized 22 × 34 two-stall garage, offering ample room for vehicles, storage, or workshop space.
Under contract
$174,000
518 3rd Ave SE, Spencer, IA 51301
5beds
1,356sqft
Est.:
Single Family Residence
Built in 1968
8,276.4 Square Feet Lot
$-- Zestimate®
$128/sqft
$-- HOA
What's special
Spacious rec roomHeated tile flooringSpacious family room addition
- 30 days |
- 471 |
- 12 |
Zillow last checked: 7 hours ago
Listing updated: March 09, 2026 at 02:50pm
Listed by:
Cristy Jones PRIM:712-260-0423,
EXIT Realty Midwest- Spencer/Emmetsburg
Source: Iowa Great Lakes BOR,MLS#: 260085
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 1
- 1/4 bathrooms: 1
Bedroom 1
- Description: Carpet
- Level: Main
Bedroom 2
- Description: Carpet
- Level: Main
Bedroom 3
- Description: Carpet
- Level: Main
Bathroom 1
- Description: Heated Tile Flooring
- Level: Main
Bathroom 2
- Description: Stall Shower Installed Toiled & Sink Are Stubbed In.
- Level: Lower
Other
- Description: Lower Level Kitchen Stubbed In & Ready To Be Finished
- Level: Lower
Family room
- Description: Carpet Flooring
- Level: Main
Kitchen
- Description: Laminate Flooring
- Level: Main
Laundry
- Level: Main
Laundry
- Level: Lower
Living room
- Description: Carpet
- Level: Main
Rec room
- Level: Lower
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dryer, Microwave, Range/Stove, Refrigerator, Washer, Gas Water Heater
Features
- Basement: Sump Pump,Block,Full
Interior area
- Total structure area: 2,712
- Total interior livable area: 1,356 sqft
- Finished area above ground: 1,356
- Finished area below ground: 0
Property
Parking
- Total spaces: 2
- Parking features: Attached
- Attached garage spaces: 2
Features
- Levels: One
- Stories: 1
Lot
- Size: 8,276.4 Square Feet
Details
- Parcel number: 963618403006
- Other equipment: Air to Air Exchange, Sump Pump
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
- Attached to another structure: Yes
Materials
- Vinyl Siding, Stick Built
- Roof: Asphalt
Condition
- Year built: 1968
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: $128/sqft
- Tax assessed value: $186,770
- Annual tax amount: $2,606
- Date on market: 3/5/2026
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 3/9/2026 | Contingent | $174,000$128/sqft |
Source:  Iowa Great Lakes BOR #260085 Report a problem | ||
| 3/5/2026 | Listed for sale | $174,000$128/sqft |
Source: Iowa Great Lakes BOR #260085 Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,618 -3% | $186,770 |
| 2023 | $2,698 +5.7% | $186,770 +15.3% |
| 2022 | $2,552 -8.4% | $161,980 +6.8% |
| 2021 | $2,786 | $151,710 -3.1% |
| 2020 | $2,786 +8.5% | $156,520 |
| 2019 | $2,568 +1.7% | $156,520 +5.4% |
| 2018 | $2,526 | $148,530 +9.1% |
| 2017 | $2,526 +5.8% | $136,090 |
| 2016 | $2,388 +7.1% | $136,090 +6.6% |
| 2015 | $2,230 | $127,610 |
| 2014 | $2,230 +15.8% | $127,610 |
| 2013 | $1,926 +3.4% | -- |
| 2012 | $1,862 +7.1% | -- |
| 2011 | $1,738 +4.1% | -- |
| 2010 | $1,670 -6.3% | -- |
| 2009 | $1,782 +2.6% | -- |
| 2007 | $1,736 +4.5% | -- |
| 2005 | $1,662 | -- |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$1,085/mo
Principal & interest
$914
Property taxes
$171
More affordability tools
Climate risks
Neighborhood: 51301
Nearby schools
GreatSchools rating
- 5/10Lincoln Elementary SchoolGrades: 3-5Distance: 0.6 mi
- 9/10Spencer Middle SchoolGrades: 6-8Distance: 1.5 mi
- 7/10Spencer High SchoolGrades: 9-12Distance: 0.7 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.
Local experts in 51301
- Iowa
- Clay County
- Spencer
- 51301
- 518 3rd Ave SE
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