511 E 4th St, Spencer, IA, 51301
About This Home
Charming 2-story home in Spencer. Just minutes from downtown businesses! This inviting residence features 3 bedrooms, 2 bathrooms, and an extra office/game area perfect for working from home or gaming. Enjoy the convenience of main floor laundry and relax on the cozy front porch—ideal for morning coffee or evening unwind. Recent updates include a new furnace and hot water heater, ensuring comfort and efficiency year-round. Don’t miss out on this well-maintained home in a great location!
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding,Stick Built
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Microwave,Range/Stove,Refrigerator,Washer,Gas Water Heater
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Unfinished,Block,Partial
Bathroom
- Features: Main Floor 3/4 Bath,Upper Level Bath
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Features
- Main Floor Bedrooms,Pantry
- Finished area below ground: 0
- Finished area above ground: 1,580
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 1,580
- Total interior livable area: 1,580 sqft
Property
Details
- Parcel number: 963607458009
Features
- Levels: Two
- Stories: 2
- Patio & porch: Porch
Lot
- Lot size: 7,405 sqft
- Lot size dimensions: 50 x 142
Parking
- Total spaces: 1
- Parking features: Attached
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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 | $631 | $7,572 |
| Home Insurance * | $135 | $1,620 |
| Property Taxes | $150 | $1,800 |
| Electricity | $121 | $1,452 |
| Total | $1,037 | $12,444 |
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 |
|---|---|---|
| 2026-06-22 | Price change | $124,900 |
| 2026-05-27 | Listed for sale | $129,900 |
| 2020-07-02 | Listing removed | $92,900 |
| 2020-05-15 | Pending sale | $92,900 |
| 2020-04-14 | Listed for sale | $92,900 |
| 2011-05-17 | Sold | $80,000 |
View on Zillow