1315 1st Ave W, Spencer, IA, 51301
About This Home
Welcome home to this charming 1½-story Cape Cod offering 3 bedrooms and 2 bathrooms with plenty of space to enjoy inside and out! The open-concept living and dining area creates a warm, inviting atmosphere that’s perfect for everyday living or entertaining. The main floor features a spacious bedroom and a convenient ¾ bathroom. Upstairs, you’ll find two additional Large bedrooms and an updated full bathroom. The finished lower level offers a cozy family room, laundry area, and ample storage space. Step outside to enjoy the large, fully fenced backyard, ideal for kids, pets, gardening, or relaxing evenings. The 2 car attached garage is perfect for al your toys. This home is full of character and ready for its next owner!
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1948
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding,Concrete
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Range/Stove,Refrigerator,Washer,Electric Water Heater
Basement
- Has basement: Yes
- Basement: Finished-Partial,Block,Full
Bathroom1
- Level: Main
Bathroom2
- Level: Upper
Bedroom1
- Level: Main
Bedroom2
- Level: Upper
Bedroom3
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Lower
Features
- Flooring: Hardwood
- Finished area below ground: 180
- Finished area above ground: 1,442
Heating & Cooling
- Heating features: Boiler
- Cooling features: Central Air
Interior Area
- Total structure area: 2,290
- Total interior livable area: 1,622 sqft
Kitchen
- Level: Main
Laundry
- Level: Lower
Living Room
- Level: Main
Property
Details
- Parcel number: 963607152014
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck
Lot
- Lot size: 9,583 sqft
- Lot size dimensions: 65Z150
Parking
- Total spaces: 2
- Parking features: Attached,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,187 | $14,244 |
| Home Insurance * | $254 | $3,048 |
| Property Taxes | $256 | $3,072 |
| Electricity | $121 | $1,452 |
| Total | $1,818 | $21,816 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Price change | $229,900 |
| 2026-07-28 | Listed for sale | $234,900 |
| 2020-05-18 | Sold | $166,000 |
| 2020-05-01 | Pending sale | $169,000 |
| 2020-05-01 | Listed for sale | $169,000 |
| 2013-10-18 | Sold | $120,000 |
| 2013-08-20 | Listed for sale | $119,900 |
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