1107 W 4th St, Spencer, IA, 51301
About This Home
Your next home awaits! A spacious corner lot conveniently located in town, this is a five-bedroom, four-bathroom ranch is ready to move in and make your own. Beautiful details create character and interest, meaning this is a house unlike any other in town.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1956
Materials
- Construction materials: Wood Siding,Concrete,Frame/Wood
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater
Basement
- Has basement: Yes
- Basement: Full
Bedroom1
- Level: Main
Bedroom2
- Level: Main
Bedroom3
- Level: Main
Bedroom4
- Level: Basement
Bedroom5
- Level: Basement
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 2
- 1/2 bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,128
Heating
- Heating features: Boiler
Interior Area
- Total structure area: 3,524
- Total interior livable area: 2,128 sqft
Property
Details
- Parcel number: 963712380036
Features
- Levels: One
- Stories: 1
Lot
- Lot size: 0.51 Acres
- Lot size dimensions: 150 x 147
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 | $1,769 | $21,228 |
| Home Insurance * | $379 | $4,548 |
| Property Taxes | $449 | $5,388 |
| Electricity | $158 | $1,904 |
| Total | $2,755 | $33,060 |
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 |
|---|---|---|
| 2026-07-10 | Listed for sale | $350,000 |
| 2020-04-20 | Listing removed | $279,500 |
| 2020-03-09 | Pending sale | $279,500 |
| 2020-01-21 | Price change | $279,500 |
| 2019-10-01 | Price change | $289,900 |
| 2019-08-02 | Price change | $294,900 |
| 2019-06-12 | Price change | $299,900 |
| 2019-03-20 | Price change | $309,900 |
| 2018-08-30 | Listed for sale | $334,900 |
| 2014-04-14 | Sold | $255,000 |
| 2013-11-12 | Listed for sale | $259,000 |
| 2005-08-08 | Sold | $178,000 |
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