Spencer, IA Homes for Sale under $100,000

/2
$48,000

$17K PRICE DROP
- 3 Beds
- 1 Bath
- 1,044 Sq Ft
2123 10th Ave E, Spencer, IA 51301

Attention Flippers! Take this opportunity to update this 3 bed, 1 bath home on the outskirts of town. Priced to sell. Sold AS-IS. Owner has used as a rental, so buyers should satisfy themselves as to the condition of the home with inspections. Seller financing available.

Aaron Jones

RE/MAX Lakes Realty

(712) 467-4050

2123 10th Ave E, Spencer, IA 51301
Explore Spencer
/2
$27,900
- Land
- 13,322 Sq Ft
- $91,220 per Acre
2008 W 20th St, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Bates Realty, LLC

2008 W 20th St, Spencer, IA 51301
/2
$29,900
- Land
- 16,200 Sq Ft
- $80,398 per Acre
1804 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails

Kim Bates Bates Realty, LLC

1804 22nd Ave W, Spencer, IA 51301
/2
$40,000

$5K PRICE DROP
- Land
- 5,719 Sq Ft
- $304,615 per Acre
212 E 18th St, Spencer, IA 51301

Nice residential building lot with all utilities in place. This ready-to-build site is flat, usable, and flexible for a new home design. Perfect for a custom build, investor project, or future home, with utilities already onsite.

Janie Eick RE/MAX Lakes Realty

212 E 18th St, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2014 358th St, Spencer, IA 51301

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 storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2014 358th St, Spencer, IA 51301
/15
$95,000
- 2 Beds
- 2 Baths
- 1,012 Sq Ft
2106 1st Ave E Unit 30, Spencer, IA 51301

Welcome to easy, modern living in Birchwood Estates! This 2024 model 2 bedroom, 2 bath mobile home offers a fresh, open layout. The bright, spacious kitchen features stainless steel appliances, abundant cabinetry, and a seamless flow into the main living area. Outside, you'll appreciate the brand new deck and steps, along with a convenient storage shed for extra space. This home also includes new

Nicole Nimke EXIT Realty Midwest- Spencer/Emmetsburg

2106 1st Ave E Unit 30, Spencer, IA 51301
/2
$29,900
- Land
- 14,175 Sq Ft
- $91,883 per Acre
1809 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Bates Realty, LLC

1809 22nd Ave W, Spencer, IA 51301
/6
$46,000
- 2 Beds
- 1 Bath
- 972 Sq Ft
425 E 12th St, Spencer, IA 51301

Not a challenge for the Handyman. Ideal property for TLC skills. Two bedroom, two story and too good to pass up.

John Goede Century 21 ProLink

425 E 12th St, Spencer, IA 51301
/2
$29,900
- Land
- 14,157 Sq Ft
- $92,000 per Acre
1808 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Bates Realty, LLC

1808 22nd Ave W, Spencer, IA 51301
/4
$44,000
- 111 Beds
- 1 Bath
- 1,925 Sq Ft
410 E 12th St, Spencer, IA 51301

"I Did It My Way"......... Handyman Special. Property is in the midst of a remodel waiting for the right Handyman / Handywoman to finish the job. One bedroom, one bath, fenced yard.

John Goede Century 21 ProLink

410 E 12th St, Spencer, IA 51301
/2
$27,900
- Land
- 13,991 Sq Ft
- $86,858 per Acre
1905 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Bates Realty, LLC

1905 20th Ave W, Spencer, IA 51301
/2
$29,900
- Land
- 13,997 Sq Ft
- $93,045 per Acre
1906 22nd Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Bates Realty, LLC

1906 22nd Ave W, Spencer, IA 51301
/35
$68,000
- 6 Beds
- 3 Baths
- 2,404 Sq Ft
807 4th Ave W, Spencer, IA 51301

Investment opportunity awaits!! Bring your vision and your skills to this 3 unit property located in the heart of Spencer. Within walking distance to just about everything it makes for a desirable rental location. The best part of this property is after your repairs and updates the return comes back 3 tenants at a time!! Grab your work boots and let's take a walk through what this opportunity

Bryan Sebastian Hinn Real Estate

807 4th Ave W, Spencer, IA 51301
/3
$17,500
- Land
- 5,849 Sq Ft
- $130,308 per Acre
822 2nd Ave SE, Spencer, IA 51301

Looking to build a house? This 50' by 117' bare lot with water and sewer lines stubbed in could just be the one for you. Additionally there is a poured existing concrete driveway. Great lot! Don't miss out!

Cristy Jones EXIT Realty Midwest- Spencer/Emmetsburg

822 2nd Ave SE, Spencer, IA 51301
/2
$27,900
- Land
- 12,940 Sq Ft
- $93,920 per Acre
2102 W 20th St, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Bates Realty, LLC

2102 W 20th St, Spencer, IA 51301
/2
$29,900
- Land
- 15,117 Sq Ft
- $86,158 per Acre
2002 20th Ave W, Spencer, IA 51301

YOU + This Land = A Great Investment! Fairway Woods 2nd Addition offers several great lots. Buy YOUR land today and build later when you're ready. Spacious lots in a GREAT location with generous side setbacks to allow breathing room. Lots across the street are offset from one another. Located north of 18th Street and across from the Spencer Golf & Country Club plus close to walking and biking

Kim Bates Bates Realty, LLC

2002 20th Ave W, Spencer, IA 51301
/16
$99,900
- Land
- 3.75 Acres
- $26,651 per Acre
2015 358th St, Spencer, IA 51301

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 storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2015 358th St, Spencer, IA 51301
/2
$29,900
- Land
- 16,962 Sq Ft
- $76,781 per Acre
2201 18th Ave W, Spencer, IA 51301

Fairway Woods first addition! This subdivision with a great location has a few lots left. Excellent opportunity to build new custom home in an area that offers large lots which are offset from those across the street. An accessory building is allowed. Located across 18th Street from the Spencer Golf and Country Club plus close to walking and biking trails.

Kim Bates Bates Realty, LLC

2201 18th Ave W, Spencer, IA 51301
/17
$90,000

$17K PRICE DROP
- 2 Beds
- 1 Bath
- 879 Sq Ft
309 E 1st St, Spencer, IA 51301

Perfect Starter Home for First-Time Buyers! This cozy one-level home offers classic cottage charm with modern updates, including a new furnace and hot water heater (2024). The layout features 2 bedrooms, 1 bath and a basement with potential for added living space. Structurally sound and move-in ready--just add your personal touches! Includes a detached garage, storage shed and a manageable yard.

Lori Black EXIT Realty Midwest- Spencer/Emmetsburg

309 E 1st St, Spencer, IA 51301
/2
$29,900
- Land
- 14,293 Sq Ft
- $91,118 per Acre
2002 22nd Ave W, Spencer, IA 51301

Whether you're a homeowner looking to customize your own property or an investor seeking to enhance your Real Estate Portfolio this lot holds potential for various ventures. Located in the desirable neighborhood of Fairway Woods with a peaceful atmosphere. Nearby amenities include Spencer Golf and Country Club, Trails and Parks. Start your plans today and be ready to build in the Spring!

Kim Bates Bates Realty, LLC

2002 22nd Ave W, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2020 358th St, Spencer, IA 51301

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 storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2020 358th St, Spencer, IA 51301
/15
$89,900
- Land
- 3.44 Acres
- $26,107 per Acre
2008 358th St, Spencer, IA 51301

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 storage building / shop / man cave, plus a quiet setting with great sunsets! Amenities you will appreciate include a hard surface road, SMU water,

Seth Hellinga Real Estate Unlimited

2008 358th St, Spencer, IA 51301

Iowa Clay County Spencer

Home Prices in Spencer, IA

The median home sale price in Spencer, IA is $175,000, down 1% year-over-year. Homes in Spencer sell in 73 days on average, compared to the national average of 58 days.

Home Price Trends

Median Sale Price $175,000	Median Single Family Sale Price $178,700
Median Townhouse Sale Price $90,500	Median 2 Bedroom Sale Price $144,500
Median 1 Bedroom Sale Price $115,500	Average Price Per Sq Ft $110
Number of Homes for Sale 35	Last 12 months Home Sales 149
Months of Supply 2.80	Median List Price $195,000
Median Change From 1st List Price 3%	Median Home Sale Price YoY Change -1%

How to Buy a Home How to Finance a Home How to Sell a Home

In Spencer, there are currently 22 homes for sale priced under $100,000, providing budget-friendly options for prospective buyers. Whether you're in search of houses for sale under 100k or other property types, there are opportunities to discover your ideal home within your budget in Spencer, IA. From cozy starter homes to properties awaiting your personal touch, these affordable residences offer an entry point into the housing market or an opportunity for real estate investment without stretching your finances.

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