3195 190th Ave, Spencer, IA, 51301
About This Home
Room to grow on this beautiful 4-acre property featuring an updated 2-bedroom, 2-bath home with the potential and space to add additional bedrooms and expanded living areas. A new oversized double-plus garage, new furnace, water heater and a/c unit adds even more value and functionality, making this acreage hard to resist. Located just northwest of Spencer, this property offers the perfect blend of peaceful country living with close city proximity and so much more.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1960
Materials
- Construction materials: Vinyl Siding,Concrete
Type & Style
- Home type: SingleFamily
- Architectural style: Other
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 696
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,392
- Total interior livable area: 696 sqft
Property
Details
- Parcel number: 973728401003
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 4 Acres
- Lot size dimensions: 174240 sf
Parking
- Total spaces: 2
- Parking features: Detached
- 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
- Hail
- Winter Weather
- Cold Wave
- Inland Flooding
- Strong Wind
- Tornado
- Drought
- Ice Storm
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 | $1,137 | $13,644 |
| Home Insurance * | $243 | $2,916 |
| Property Taxes | $174 | $2,088 |
| Electricity | $121 | $1,452 |
| Total | $1,675 | $20,100 |
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 |
|---|---|---|
| 2026-06-11 | Price change | $224,900 |
| 2026-05-29 | Listed for sale | $249,900 |
View on Zillow