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2106 1st Ave E #30, Spencer, IA, 51301

2beds
2baths
1,012sqft
$90,000
$89price/sqft
$742/moest. monthly cost
$29,680/yrincome needed

About This Home

Welcome to easy, modern living in Birchwood Estates! This 2024 model 2 bedroom, 2 bath mobile home offers a fresh, open layout. The bright, spacious kitchen features stainless steel appliances, abundant cabinetry, and a seamless flow into the main living area. Outside, you'll appreciate the brand new deck and steps, along with a convenient storage shed for extra space. This home also includes new gutters and upgraded skirting with R-17 insulation and steel on both sides, adding durability and efficiency year round. Move-in ready and packed with modern features, this home is a fantastic opportunity to enjoy low-maintenance living in a great community.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

9/10
Spencer Middle SchoolGrades 6-80.9 mi
7/10
Spencer High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2024

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Other
  • Property subType: Mobile Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range/Stove,Refrigerator,Washer,Electric Water Heater

Basement

  • Basement: None

Bathroom2

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,012

Heating & Cooling

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

Interior Area

  • Total structure area: 1,012
  • Total interior livable area: 1,012 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Master Bathroom

  • Level: Main

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: FMT410MN2354987A

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 4,791 sqft
  • Lot size dimensions: 100 x 50

Parking

  • Parking features: No Garage

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
    Inland FloodingVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $455$5,460
Home Insurance *$97$1,164
Property Taxes $69$828
Electricity $121$1,452
Total$742$8,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$25,440/yr
40% on housing$22,260/yr
45% on housing$19,786/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

$89This listing

vs Other Active Listings

Avg $/sqft

ZIP 51301$93
Clay County$101

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
2026-05-01Listed for sale$95,000
2025-04-16Sold$84,400
2025-04-14Pending sale$84,900
2024-11-27Listed for sale$84,900

For Sale by Agent

AgentNicole Nimke
BrokerageEXIT Realty Midwest- Spencer/Emmetsburg

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