




220 W 3rd St, Spencer, IA, 51301
About This Home
This completely renovated 5 bed, 2 bath home combines timeless charm with the peace of mind that comes from extensive modern updates. Thoughtfully transformed by Orris Construction, this home offers 1,647 finished sq ft, close proximity to downtown Spencer, and quality craftsmanship throughout. From the moment you arrive, you’ll appreciate the fresh curb appeal featuring new siding, gutters, upgraded windows and doors, and fresh landscaping. Inside, the home has been extensively updated with new subfloors and interior walls, giving it a new construction feel. The main floor features a large living area with plenty of natural light, custom built-ins, and a spacious kitchen and dining area for entertaining. Just off the kitchen is a large mudroom with ample storage and convenient access to your laundry and covered patio. Completing the main level is a spacious flex room—to use as your primary bedroom, an office, or however you see fit—as well as a full bath. Heading upstairs provides more flexibility and room to grow with 4 additional bedrooms and another full bath with tile surround. Major mechanical updates including a new furnace, water heater, and electric panel provide added confidence for years to come. This move-in ready home is one you won’t want to miss, so schedule a private showing today!
Getting Around
Schools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1900
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding,Concrete,Stick Built
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Microwave,Range/Stove,Refrigerator,Electric Water Heater
- Laundry features: Main Level,Washer/Dryer Hkups
Basement
- Area: 427
Basement
- Has basement: Yes
- Basement: Unfinished,Block,Partial
Bathroom
- Features: Main Floor Full Bath,Upper Level Bath
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
Dining Room
- Features: Combine with Kitchen
Features
- Eat-in Kitchen,Main Floor Bedrooms
- Fireplace features: None
- Finished area below ground: 0
- Finished area above ground: 1,647
- Common walls with other units/homes: No Common Walls
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,074
- Total interior livable area: 1,647 sqft
Property
Details
- Parcel number: 963618106002
Features
- Levels: Two,One and One Half
- Stories: 1
- Patio & porch: Patio
Lot
- Lot size: 5,227 sqft
- Lot size dimensions: 44 x 122
Parking
- Total spaces: 1
- Parking features: Gravel,Detached,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
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 | $1,087 | $13,044 |
| Home Insurance * | $233 | $2,796 |
| Property Taxes | $215 | $2,580 |
| Electricity | $122 | $1,474 |
| Total | $1,657 | $19,884 |
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 |
|---|---|---|
| 2026-05-07 | Listed for sale | $220,000 |
| 2024-07-08 | Sold | $40,000 |
| 2021-03-31 | Sold | $59,000 |
| 2020-11-15 | Listing removed | $58,900 |
| 2020-03-15 | Listed for sale | $58,900 |
| 2018-06-26 | Listing removed | $39,500 |
| 2018-06-15 | Listed for sale | $39,500 |
