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114 34th Ave W, Spencer, IA, 51301

3beds
2baths
1,533sqft
$292,000
$190price/sqft
$1,913/moest. monthly cost
$76,520/yrincome needed

About This Home

Introducing a stunning new construction home to the market! This 3-Bedroom 2 Bath gem is designed with modern living in mind. With a spacious open floor plan spanning 1,533 finished sq ft this house offers a perfect blend of comfort and style. As you enter you will be greeted by the inviting living area showcasing the seamless flow between the living room, dining space & kitchen. The open layout creates a warm & inclusive atmosphere, perfect for entertaining friends & family. The kitchen is a true highlight, boasting a walk-in pantry that provides ample storage for all your culinary needs. The master bedroom is a peaceful retreat, complete with an en-suite bathroom and a generous walk-in closet. With two additional bedrooms, this home provides plenty of space for a growing family or for those in need of a home office or guest rooms. The attached oversized 2-stall garage ensures convenient parking & storage. Don't miss the opportunity to make this house your dream home. Schedule a showing today and experience the perfect blend of modern design, functionality, & comfort! Westfield Clubhouse is currently under construction. The main floor will include an entertaining area complete with a kitchen for you to enjoy with your friends and family or neighborhood gatherings. The basement will be used for storm shelter if needed. Street assessments have been paid in full and as an added bonus there is a 5 year tax abatement.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

--
Johnson Elementary SchoolGrades PK-K1.9 mi
9/10
Spencer Middle SchoolGrades 6-83.3 mi
7/10
Spencer High SchoolGrades 9-123.2 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2023

Materials

  • Construction materials: Other,Stick Built

Type & Style

  • Home type: MultiFamily
  • Architectural style: Contemporary
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level,Washer/Dryer Hkups

Basement

  • Basement: Slab

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Home Warranty,Main Floor Bedrooms,Vaulted Ceiling(s),Walk-In Closet(s)
  • Finished area below ground: 0
  • Finished area above ground: 1,533
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,533
  • Total interior livable area: 1,533 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 963715230041
  • Attached to another structure: Yes

Features

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

Lot

  • Lot size: 6,534 sqft
  • Lot size dimensions: 65 x 100

Parking

  • Total spaces: 2
  • Parking features: Concrete,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Ice Storm

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado

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

MonthlyAnnual
Mortgage $1,476$17,712
Home Insurance *$316$3,792
Property Taxes $0$0
Electricity $121$1,452
Total$1,913$22,956
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,588/yr
40% on housing$57,390/yr
45% on housing$51,013/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

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.

Insurance Growth Rate5-year average: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 51301$88
Clay County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 51301$111
Clay County$122

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

DateEventPrice
2024-08-02Listed for sale$292,000

New Construction

AgentCristy Jones
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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