1405 11th Ave W, Spencer, IA, 51301
About This Home
Welcome home to this spacious 2 bedroom, 2 bathroom Duplex conveniently located near the Spencer YMCA and the world-famous Clay County Fairgrounds! This well-maintained home offers an open-concept kitchen and dining area perfect for entertaining, along with main floor laundry for added convenience. 2 bedrooms are located on the main level, while the basement features a family room and 2 additional nonconforming bedrooms ideal for guests, office space, hobbies, or extra storage. Enjoy the attached 2 car garage, comfortable living spaces, and a great location close to shopping, recreation, and community events. Easy living with plenty of room to spread out!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1982
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding,Concrete
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Range/Stove,Refrigerator,Washer,Gas Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bathroom1
- Level: Main
Bathroom2
- Level: Lower
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Lower
Bedroom4
- Level: Lower
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
Family Room
- Level: Lower
Features
- Finished area below ground: 800
- Finished area above ground: 1,048
- Common walls with other units/homes: 1 Common Wall
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 2,096
- Total interior livable area: 1,848 sqft
Kitchen
- Level: Main
Laundry
- Level: Main
Living Room
- Level: Main
Property
Details
- Parcel number: 963712130027
- Attached to another structure: Yes
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 4,356 sqft
- Lot size dimensions: 50 x 90
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
- Hail
- Strong Wind
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 | $1,061 | $12,732 |
| Home Insurance * | $227 | $2,724 |
| Property Taxes | $241 | $2,892 |
| Electricity | $137 | $1,654 |
| Total | $1,666 | $19,992 |
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 |
|---|---|---|
| 2026-06-30 | Price change | $210,000 |
| 2026-06-09 | Listed for sale | $215,000 |
| 2010-06-07 | Sold | $137,000 |
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