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About This Home

This 3-bedroom, 2-bathroom single family at 25861 105th ST in Spirit Lake, IA is listed for $698,000 ($454 per sqft). Built in 2005, the home offers 1,536 sqft of living space on a 0.22 acres lot.

Agent Description

Enjoy true lakefront living at 25861 105th St in Spirit Lake. Built in 2005, this 3-bedroom, 2-bath home offers a functional layout and stunning water views. The main-floor primary bedroom features a connected bath, while two additional bedrooms are located in the lower level, providing flexible space for guests or family.

A large oversized deck overlooking the lake is perfect for entertaining or relaxing while taking in panoramic views. Below, a covered patio offers additional space for outdoor activities and gatherings. The property includes a personal dock, giving you direct access to the water right from your shoreline.

Additional highlights include a double-stall garage, shared driveway, and location within the Shore Acres HOA. Whether you're seeking a full-time residence or a weekend getaway, this lakefront property delivers comfort, views, and the lifestyle Spirit Lake is known for.

Key Features

  • Built in 2005
  • 0.22 acre lot
  • Waterfront

Property Details

1 story
2 full
2005

Amenities

WaterfrontA/C

Monthly Cost Estimate

$4,108/mo

20% down · 6.5% · 30 years

Principal$505
Interest$3,025
Insurance$204
HOA$375

Estimates only. Actual payments may vary.

Location

25861 105th ST

Spirit Lake, IA 51360

Features & Amenities

Exterior Features

WaterfrontPatioDeck

Property Details

Flooring

Carpet

Construction

Concrete Board

Pool Features

DeckPatio

Heating

Electric (Heating)Natural GasForced AirPropane (Heating)

Cooling

Central Air

Appliances

Appliances NegotiableDishwasherElectric RangeRefrigeratorWasher / Dryer

Questions & Answers

This 3-bedroom, 2-bathroom single family at 25861 105th ST is listed at $698,000 ($454/sqft). The estimated monthly payment is $3,400 based on 20% down at 6.5% interest.

HOA fees are $375/month.

Key features include: Built in 2005, 0.22 acre lot, Waterfront. Exterior Features: Waterfront, Patio, Deck.

This property is listed by LUCAS KIRCHGATTER and can be reached at 6414201179 or luke5633@gmail.com.

LK

LUCAS KIRCHGATTER

Agent at REALTY ONE GROUP WELCOME HOME

(641) 420-1179

Listed by REALTY ONE GROUP WELCOME HOME · View on Broker Site

MLS# 260057· Source: listhub· Updated 119 days ago

Copyright © 2026 Greater Mason City Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

25861 105th ST, Spirit Lake, IA 51360

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