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Spencer, IA $200K Real Estate

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1405 11Th Avenue, Spencer, IA 51301 Spencer, IA 51301

$199,900
1405 11Th Avenue, Spencer, IA 51301
Price Decreased
24
Status: Active

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,...

  • 260592MLS #
  • 2BATHS
  • 4BEDS
  • 2096SQFT
View Details
Listed by : EXIT REALTY MIDWEST- SPENCER/EMMETSBURG, KARI STAVE (712.363.2691)
1405 11Th Avenue Spencer, IA 51301

1615 1st Ave. W., Spencer, IA 51301 Spencer, IA 51301

$199,500
1615 1st Ave. W., Spencer, IA 51301
Price Decreased
29
Status: Active

Located in west Spencer adjacent to walking/bike trail, 3-bedroom, 2 bath home. The main floor offers spacious kitchen, formal dining, large living room, master bedroom, full bath, and main floor laundry. The upper level has 2 additional bedrooms...

  • 260250MLS #
  • 2BATHS
  • 3BEDS
  • 1512SQFT
View Details
Listed by : REALTY PROFESSIONALS, SUSANNE HALLETT (712.363.0144) & REALTY PROFESSIONALS, MARK HALLETT (712.363.0145)
1615 1st Ave. W. Spencer, IA 51301

603 Grand Avenue, Spencer, IA 51301 Spencer, IA 51301

$199,000
603 Grand Avenue, Spencer, IA 51301
Price Decreased
7
Status: Active

6,000 sqft! Potential opportunity so split into 3-4 units. Prime Multi-Use Space in the Heart of Spencer. Take advantage of this high-traffic location ideal for retail, office, or mixed-use development. This versatile property offers the perfect...

  • 251192MLS #
  • N/ABATHS
  • N/ABEDS
  • 6000SQFT
View Details
Listed by : INTEGRITY REAL ESTATE, NICK STEFFES (712.339.0293)
603 Grand Avenue Spencer, IA 51301

1021 5th Street, Spencer, IA 51301 Spencer, IA 51301

$195,000
1021 5th Street, Spencer, IA 51301
Open House
New Listing
33
Status: Active

Move-In Ready Home with Space, Updates & Income Potential in Spencer! Welcome home to this beautifully maintained 4-bedroom, 2-bathroom property situated on a desirable corner lot in Spencer, Iowa! Conveniently located near the Spencer Family...

  • 261341MLS #
  • 2BATHS
  • 4BEDS
  • 2216SQFT
Open House: 24 Oct, 2026 (10:00 AM to 11:00 AM)
View Details
Listed by : KELLER WILLIAMS OKOBOJI, JOSH SCHABEN (712.330.4773) & KELLER WILLIAMS OKOBOJI, JEN SCHABEN (319.325.5075)
1021 5th Street Spencer, IA 51301

900 29th Street, Spencer, IA 51301 Spencer, IA 51301

$185,000
900 29th Street, Spencer, IA 51301
2
Status: Active

Excellent opportunity to secure a commercial lot in a convenient location near the Highway 18 and Highway 71 bypass! This 2.30-acre lot is zoned C-2 Highway Commercial. Sewer and gas are stubbed in, and the property is not located in a flood zone....

  • 261313MLS #
  • N/ABATHS
  • N/ABEDS
  • 100188SQFT
View Details
Listed by : RE/MAX LAKES REALTY, JANIE EICK (712.339.0574)
900 29th Street Spencer, IA 51301

203 10th Street, Spencer, IA 51301 Spencer, IA 51301

$174,900
203 10th Street, Spencer, IA 51301
14
Status: Active

Attention Business Owners and Entrepreneurs! This commercial property with 4700 sq. ft. has endless possibilities! Whether you are looking to start a business or expand an existing business, this place could be just what you are looking for! The...

  • 251425MLS #
  • N/ABATHS
  • N/ABEDS
  • 4700SQFT
View Details
Listed by : INTEGRITY REAL ESTATE, RYAN MORAN (712.260.0997)
203 10th Street Spencer, IA 51301

1900 4th Avenue #104, Spencer, IA 51301 Spencer, IA 51301

$173,900
1900 4th Avenue #104, Spencer, IA 51301
Price Decreased
49
Status: Active

Enjoy easy, maintenance free living in this beautifully updated ground level 2 bedroom Golfview Condominium overlooking the Spencer Municipal Golf Course. From the covered walk out patio, you'll have front row views of the fairways while enjoying...

  • 260314MLS #
  • 1BATHS
  • 2BEDS
  • 1026SQFT
View Details
Listed by : HINN REAL ESTATE, BRYAN SEBASTIAN (712.240.6613)
1900 4th Avenue #104 Spencer, IA 51301

305 10th Street, Spencer, IA 51301 Spencer, IA 51301

$170,000
305 10th Street, Spencer, IA 51301
Price Decreased
16
Status: Active

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...

  • 261211MLS #
  • 1BATHS
  • 3BEDS
  • 2016SQFT
View Details
Listed by : HOMETOWN REALTY, KELLY BIERL (712.260.5711)
305 10th Street Spencer, IA 51301

411 11th Street, Spencer, IA 51301 Spencer, IA 51301

$169,900
411 11th Street, Spencer, IA 51301
Price Decreased
32
Status: Active

Picture perfect is what this home has to offer! Step inside and see for yourself the quality of the updates and the preserved character of the original woodwork. You will find near new throughout the home from custom kitchen cabinets, stainless...

  • 261078MLS #
  • 1BATHS
  • 3BEDS
  • 1832SQFT
View Details
Listed by : HINN REAL ESTATE, BRYAN SEBASTIAN (712.240.6613)
411 11th Street Spencer, IA 51301

3105 18Th Street, Spencer, IA 51301 Spencer, IA 51301

$160,000
3105 18Th Street, Spencer, IA 51301
Price Decreased
16
Status: Active

Prime commercial warehouse opportunity on 1.26 acres! This well-maintained metal building features three overhead doors, generous warehouse/storage space, an office area, restroom, and HVAC. The large lot offers flexibility for business...

  • 260671MLS #
  • N/ABATHS
  • N/ABEDS
  • 3030SQFT
View Details
Listed by : EXIT REALTY MIDWEST- SPENCER/EMMETSBURG, KARI STAVE (712.363.2691)
3105 18Th Street Spencer, IA 51301

313 9th Street, Spencer, IA 51301 Spencer, IA 51301

$155,000
313 9th Street, Spencer, IA 51301
15
Status: Active

Fully Remodeled Move in Ready Ranch with True Main-Level Living! Welcome to effortless single-story comfort in this beautifully updated 3-bedroom, 2-bathroom ranch home! Fall head over heels for the expansive kitchen featuring stunning new granite...

  • 261283MLS #
  • 2BATHS
  • 3BEDS
  • 912SQFT
View Details
Listed by : KELLER WILLIAMS OKOBOJI, ABBY GOODELL (712.305.8987)
313 9th Street Spencer, IA 51301

802 4th Avenue, Spencer, IA 51301 Spencer, IA 51301

$150,000
802 4th Avenue, Spencer, IA 51301
Price Decreased
16
Status: Active

Instant increased equity for handyman / handywoman. Enjoy the open living room in this 1140 sq ft, two bedroom, two bath home. Optional laundry on main level or basement. Easy walking distance to shopping, markets and downtown Spencer.

  • 260325MLS #
  • 2BATHS
  • 2BEDS
  • 1140SQFT
View Details
Listed by : CENTURY 21 PROLINK, JOHN GOEDE (712.260.1197) & CENTURY 21 PROLINK, TAMMI GOEDE (712.260.7096)
802 4th Avenue Spencer, IA 51301

507 C Club Lane, Spencer, IA 51301 Spencer, IA 51301

$149,900
507 C Club Lane, Spencer, IA 51301
Price Decreased
14
Status: Active

This ENTIRELY NEW 1,008 sq. ft. ranch home was remodeled down to the studs and offers easy 1-level living with 3 comfortable bedrooms and a full bath. The light-filled main living space flows into a kitchen featuring sleek cabinetry, new...

  • 261056MLS #
  • 1BATHS
  • 3BEDS
  • 1008SQFT
View Details
Listed by : KELLER WILLIAMS OKOBOJI, PEGGY BERGH-KUKER (712.330.1569)
507 C Club Lane Spencer, IA 51301

703 8th Avenue, Spencer, IA 51301 Spencer, IA 51301

$148,000
703 8th Avenue, Spencer, IA 51301
Price Decreased
18
Status: Active

Looking for the perfect blend of classic character, easy maintenance, and a fantastic location? This delightful 2-bedroom, 1-bath bungalow on Spencer’s west side is ready to welcome its next owner! Whether you are looking to downsize, buying your...

  • 260814MLS #
  • 1BATHS
  • 2BEDS
  • 1976SQFT
View Details
Listed by : BATES REALTY, LLC, BOB BATES (712.260.7148)
703 8th Avenue Spencer, IA 51301

308 10Th Street, Spencer, IA 51301 Spencer, IA 51301

$134,900
308 10Th Street, Spencer, IA 51301
19
Status: Active

Opportunity awaits at 308 E 10th Street! This 3-bedroom, 1-bath home offers plenty of space with a comfortable floor plan and lots of natural light. The main level features spacious living and dining areas, an efficient kitchen with ample...

  • 261226MLS #
  • 1BATHS
  • 3BEDS
  • 1673SQFT
View Details
Listed by : EXIT REALTY MIDWEST- SPENCER/EMMETSBURG, SHELLY LOHMAN (712.260.8665)
308 10Th Street Spencer, IA 51301

337 2nd Street, Spencer, IA 51301 Spencer, IA 51301

$134,000
337 2nd Street, Spencer, IA 51301
35
Status: Active

Welcome home to 337 East 2nd Street. Situated on a corner lot just blocks from the Spencer High School and downtown. This 4 bedroom 2 bath home offers a great start to homeownership with room to grow and build equity in the process. Features...

  • 261310MLS #
  • 2BATHS
  • 4BEDS
  • 1465SQFT
View Details
Listed by : HINN REAL ESTATE, BRYAN SEBASTIAN (712.240.6613)
337 2nd Street Spencer, IA 51301

2021 358Th Street, Spencer, IA 51301 Spencer, IA 51301

$129,500
2021 358Th Street, Spencer, IA 51301
Price Adjustment
15
Status: Active

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a...

  • 221242MLS #
  • N/ABATHS
  • N/ABEDS
  • 163280SQFT
View Details
Listed by : REAL ESTATE UNLIMITED, SETH HELLINGA (712.320.0482)
2021 358Th Street Spencer, IA 51301

13 Grandview Boulevard, Spencer, IA 51301 Spencer, IA 51301

$119,900
13 Grandview Boulevard, Spencer, IA 51301
New Listing
21
Status: Active

Convenient layout with additional living and functional space in the basement located in a quiet part of town. You'll find the living, kitchen, 3 bedrooms and full bathroom on the main level. In the basement you'll find additional living area,...

  • 261340MLS #
  • 2BATHS
  • 5BEDS
  • 960SQFT
View Details
Listed by : EXIT REALTY MIDWEST- SPENCER/EMMETSBURG, PATRICIA MORTENSON (712.298.0063) & EXIT REALTY- GREAT PLAINS JACKSON, LEE PORTER (507.840.1710)
13 Grandview Boulevard Spencer, IA 51301

1900 4Th Avenue #103, Spencer, IA 51301 Spencer, IA 51301

$119,630
1900 4Th Avenue #103, Spencer, IA 51301
Price Decreased
23
Status: Active

1900 4th Ave SW, Unit 103 | Spencer, IA Move in, relax, and enjoy maintenance-free living! This inviting 1 bedroom, 1 bathroom condo in a desirable 55+ community offers comfortable main-floor living with an open-concept kitchen, dining, and living...

  • 261264MLS #
  • 1BATHS
  • 1BEDS
  • 783SQFT
View Details
Listed by : EXIT REALTY MIDWEST- SPENCER/EMMETSBURG, KARI STAVE (712.363.2691)
1900 4Th Avenue #103 Spencer, IA 51301

1418 4th Ave East, Spencer, IA 51301 Spencer, IA 51301

$109,500
1418 4th Ave East, Spencer, IA 51301
8
Status: Active

2-bedroom, 1-bathroom single-story home in a central Spencer location. Close to Spencer Community Schools, with convenient access to Spencer Middle School, Spencer High School, downtown, shopping, and everyday services. Residential street with a...

  • 261240MLS #
  • 1BATHS
  • 2BEDS
  • 1440SQFT
View Details
Listed by : EXIT REALTY MIDWEST, ALEC CAQUELIN (712.330.3154)
1418 4th Ave East Spencer, IA 51301

2015 358Th Street, Spencer, IA 51301 Spencer, IA 51301

$99,900
2015 358Th Street, Spencer, IA 51301
16
Status: Active

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a...

  • 221241MLS #
  • N/ABATHS
  • N/ABEDS
  • 163280SQFT
View Details
Listed by : REAL ESTATE UNLIMITED, SETH HELLINGA (712.320.0482)
2015 358Th Street Spencer, IA 51301

1120 4th Avenue, Spencer, IA 51301 Spencer, IA 51301

$94,500
1120 4th Avenue, Spencer, IA 51301
Price Decreased
13
Status: Active

The Backyard Bonus. With a fenced yard stretching across a .28-acre corner lot, there’s space here to garden, play, let the pets roam, or create an outdoor setup that fits the way you live. Inside, this 2-bedroom, 1-bath Spencer home offers a...

  • 260988MLS #
  • 1BATHS
  • 2BEDS
  • 1414SQFT
View Details
Listed by : HOMETOWN REALTY, KELLY BIERL (712.260.5711)
1120 4th Avenue Spencer, IA 51301

2008 358Th Street, Spencer, IA 51301 Spencer, IA 51301

$89,900
2008 358Th Street, Spencer, IA 51301
15
Status: Active

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a...

  • 221235MLS #
  • N/ABATHS
  • N/ABEDS
  • 150000SQFT
View Details
Listed by : REAL ESTATE UNLIMITED, SETH HELLINGA (712.320.0482)
2008 358Th Street Spencer, IA 51301

2014 358Th Street, Spencer, IA 51301 Spencer, IA 51301

$89,900
2014 358Th Street, Spencer, IA 51301
15
Status: Active

River Bend Estates is a first-class development along the Ocheyedan River. This development offers country living with community amenities. Country style living is offered by your selection of a 3.5+ acre lot, covenants that allow you to build a...

  • 221236MLS #
  • N/ABATHS
  • N/ABEDS
  • 150000SQFT
View Details
Listed by : REAL ESTATE UNLIMITED, SETH HELLINGA (712.320.0482)
2014 358Th Street Spencer, IA 51301

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RE/MAX Lakes Realty
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Arnolds Park, IA 51331

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Find Spencer, IA $200K homes for Sale and other Spencer, IA $200K real estate on , the premier real estate search website provided by . Search Spencer $200K houses, Golf Course, townhomes and single-family homes by price, location, and amenities such as Condos and off-lake. Our MLS provides ALL $200K real estate listings and also provides the extensive property details such as home values, room sizes, lakeshore, lake access, as well as local school and neighborhood info so you can be sure that you have nearly all the information you would every want right away. Search today! Want a closer look at more Spencer, IA $200K properties available? Also search our listings for Spencer, IA $200K Open Houses, New Spencer $200K Listings and Spencer, IA $200K Homes with Price changes, price increase, and price reductions that occur many times throughout the day now.

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Get even more of information with just a click. Learn about the Spencer community and neighborhood and check out the interactive maps, statistics, and simple graphs that are easy to understand when searching for Spencer, IA $200K homes for Sale. You'll often find school information, real estate market facts and much more with minimal effort.

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Information is deemed to be reliable, but is not guaranteed. © 2026 MLS and FBS. Prepared by Iowa Great Lakes Board of REALTORS on Saturday, October 17, 2026 08:40 PM. The information on this sheet has been made available by the MLS and may not be the listing of the provider. Copyright 2026 Iowa Great Lakes Board of Realtors. Based on information from Iowa Great Lakes Board of Realtors. The advertisers and publishers are not responsible or liable for misinformation, misprints, or other errors. All information provided is deemed reliable but is not guaranteed and should be independently verified. Prices subject to change without notice. Properties subject to prior sale or rental.

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