506 4th St SE, Spencer, IA, 51301
About This Home
There is a lot of summer left to enjoy and it begins right here. This 2 bedroom 2 bath ranch home sits on an oversized lot just steps from the aquatic center, bike trails, East Leach Park and more. Situated on nearly a half acre lot you will find room to spread out and enjoy your green space with mature trees or even expand the garden of your dreams. Inside you can appreciate a large functional kitchen, an updated 3/4 bath, nice sized bedrooms and more. Off the back you will soak in the southern sun in the four seasons room that also offers a view to remind you, today might be a good day for a swim. Summer is still calling, make this a must see today!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1999
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: MobileManufactured
- Architectural style: Ranch
- Property subType: Manufactured Home
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 1,741
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,741
- Total interior livable area: 1,741 sqft
Property
Details
- Parcel number: 963618405013
- Attached to another structure: Yes
- Other equipment: Radon Mitigation System
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.48 Acres
- Lot size dimensions: 120 x 202
Parking
- Total spaces: 2
- Parking features: Attached
- 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
- Strong Wind
- Hail
- Ice Storm
- Lightning
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 | $1,259 | $15,108 |
| Home Insurance * | $269 | $3,228 |
| Property Taxes | $287 | $3,444 |
| Electricity | $129 | $1,558 |
| Total | $1,944 | $23,328 |
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 |
|---|---|---|
| 2026-07-21 | Price change | $249,000 |
| 2022-08-31 | Pending sale | $225,000 |
| 2022-07-22 | Listed for sale | $225,000 |
| 2015-09-23 | Listing removed | $149,500 |
| 2015-07-03 | Listed for sale | $149,500 |
| 2013-11-04 | Sold | $125,000 |
| 2013-09-23 | Price change | $129,900 |
| 2013-08-03 | Listed for sale | $139,900 |
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