About This Home

This 3-bedroom, 1-bathroom single family at 305 E 10th Street in Spencer, IA is listed for $174,000 ($129 per sqft). Built in 1920, the home offers 1,344 sqft of living space on a 0.16 acres lot.

Key Features

  • Built in 1920
  • 0.16 acre lot
  • 2 stories

Property Details

2 stories
1 full
1920

Amenities

A/C
Listing Description

GREAT BEGINNINGS. There's something easy to appreciate about this two-story home, starting with the original hardwood floors that run through much of the living space. The updated kitchen brings a little personality of its own with a combination of concrete and wood countertops, while the living and dining areas keep the main floor open and connected.

Upstairs keeps the bedrooms and full bath together, and the unfinished basement adds useful storage below. Out back, the fully fenced yard offers room for pets, play, gardening, or simply enjoying the outdoors, with alley access to the detached one-stall garage. The wood deck is ready for some attention, so sellers are offering a $3,000 credit at closing toward deck repairs. Sometimes a great beginning starts with simply finding the right place to call home.

Monthly Cost Estimate

$931/mo

20% down · 6.5% · 30 years

Principal$126
Interest$754
Insurance$51

Estimates only. Actual payments may vary.

Location

305 E 10th Street

Spencer, IA 51301

Features & Amenities

Interior Features

Eat-in KitchenKitchen Center IslandPantry

Exterior Features

DeckFenced Yard-Full

Property Details

Construction

Vinyl Siding Wood Siding

Outdoor Features

Deck

Heating

Forced Air

Cooling

Central Air

Appliances

DishwasherDryerMicrowaveRange/StoveRefrigeratorWasher

Questions & Answers

This 3-bedroom, 1-bathroom single family at 305 E 10th Street is listed at $174,000 ($129/sqft). The estimated monthly payment is $931 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance.

Key features include: Built in 1920, 0.16 acre lot, 2 stories. Interior Features: Eat-in Kitchen, Kitchen Center Island, Pantry. Exterior Features: Deck, Fenced Yard-Full.

This property is listed by Kelly Bierl and can be reached at 7122605711.

KB

Kelly Bierl

Agent at Hometown Realty

(712) 260-5711

Listed by Hometown Realty · Broker phone: (712) 260-5711 · View on Broker Site · Broker website

MLS# 261211· Source: Iowa Great Lakes Board of Realtors· 7 days on PropertySimple

Copyright © 2026 Iowa Great Lakes 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.

305 E 10th Street, Spencer, IA 51301

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