Spencer, IA Homes for Sale under $200,000

Welcome to a well-maintained 2-bedroom, 2-bath bungalow located on a quiet no-outlet street. This home features fresh updates, newer appliances, and major mechanical improvements including a newer furnace, A/C, breaker panel, and sewer line. Enjoy a shaded backyard, detached 1-car garage, and the added peace of mind of a 1-year home warranty. A great opportunity for comfortable, low-maintenance

Jason Grinnen Copper Dog Realty, LLC

This 3-bedroom ranch-style home has quiet living located in a cul-de-sac just off of West 4th St. The main floor has a roomy eat-in kitchen, living room, full bath, mudroom with main floor laundry just off the garage, and a 3-season enclosed porch to watch the wandering Deer that come into the backyard from the Little Sioux River. The basement has room for a 2nd living room and/or additional

Dana Reinders EXIT Realty Midwest- Spencer/Emmetsburg

Completely Renovated & Beautifully Finished — Move-In Ready Ranch in Spencer, Iowa! This beautifully updated 2-bedroom, 2-bath ranch-style home has been renovated down to the studs after the 2024 flood—Everything inside is new, including drywall, paint, flooring, light fixtures, cabinets, Quartz countertops, and bathrooms. The thoughtful redesign transformed a former third bedroom into a stunning

Tracey Radcliffe EXIT Realty Midwest

Charming 3 bedroom ranch in a desirable neighborhood near parks and schools. Natural light fills the inviting living spaces, while the functional layout makes everyday living easy. Step outside to enjoy a spacious, well-kept yard, ideal for relaxing evenings or weekend gatherings. Whether you're just starting out or downsizing, this one checks all the boxes!

Nicole Nimke EXIT Realty Midwest- Spencer/Emmetsburg

Two Story Home Near Schools with Room for the Whole Family! This charming home combines classic character with practical updates. Original hardwood floors throughout the main level, a winding staircase, and an inviting enclosed front porch. 5 bedrooms and 2 bathrooms, main level laundry and easy flow for everyday living. Four bedrooms and full bath in upper level. The partially finished full

Peggy Bergh-Kuker Keller Williams Okoboji

Ready to right-size? This updated move-in ready bungalow gives you space where it counts and peace where it matters. Set on a lot shaded by mature trees with a fenced backyard, this one-and-a-half-story bungalow combines classic structure with modern updates. Inside you will find a bright, refreshed interior featuring contemporary flooring, new cabinetry, and crisp finishes that make each space

Kelly Bierl Hometown Realty

Four-level split with 4 bedrooms + 1 non-conforming in the basement and an easy living-dining-kitchen layout on the main. Upper level has a good-sized primary suite with a 3/4 bath, 2 more bedrooms & a full bathroom with double sinks. The middle level has the 4th bedroom/office/study with a half bath and fireplace overlooking the backyard and an attached 2-car garage for easy access. There is a

Dana Reinders EXIT Realty Midwest- Spencer/Emmetsburg

Charming 2-Bed, 2-Bath Home with Original Character and Modern Comforts Step into this beautifully maintained 2-bedroom, 2-bath home featuring original hardwood flooring, grand trim work, and tongue-and-groove ceilings that add warmth and character throughout. Enjoy abundant natural light in every room, highlighting the home’s timeless charm. Situated on a deep lot, there's plenty of outdoor

Ryan Moran Integrity Real Estate

It's updated! Completely gone through since 2024 and now features a concrete driveway with additional space for parking. Plus new privacy fence! 2 bed, 1 bath home sits on a corner lot and has recent roof, new flooring, and paint. Simple property to get into for low cost.

Jimy Mac Lenz Hinn Real Estate

Continue the Love in This BIG Two-Story Home. The kind of place where a growing family can truly settle in and make everyday life flow a little easier. Sunlight fills the main floor, especially in the large sunroom which is a natural gathering spot for playtime, quiet mornings, or simple family moments. The kitchen offers plenty of workspace and storage, paired with newer appliances from 2023,

Kelly Bierl Hometown Realty

3-bedroom, 3-bath ranch-style home on a desirable corner lot. Features a finished basement, ample storage throughout, and plenty of potential—ready for your personal touch. Property being sold as is.

Ryan Moran Integrity Real Estate

This cabin style home on a corner lot is all updated! 2 bed, 1 bath, with potential for lower level bath. With partial finished basement and bar, great for entertaining or just relaxing in privacy. There is potential for 2nd bath in basement as well. 3 car garage with one heated section for projects, man cave, etc. Back yard has room for garden or playset for a small family. Great property for

Jimy Mac Lenz Hinn Real Estate

Investor Opportunity – Tucked into the heart of Spencer, this 11⁄2-story frame bungalow has been a quiet constant—providing a comfortable place to call home for long-term tenants and reliable income. With two separate living units, each space offers simple, practical living with everything tenants need and nothing overcomplicated. Located near downtown, this property provides a strong occupancy

Kelly Bierl Hometown Realty

Classic Home with Dedicated Bonus Space! This 3 bedroom, 1 bath is just what you've been waiting for! Move-in ready with an oversized 2 car garage and a separate shop area to suit your needs...auto, wood shop or workout room. Make it your dream come true!

Bob Bates Northwest Iowa Realty

Welcome home to this beautifully updated 5-bedroom, 2-bath split-level residence, offering modern comfort and spacious living in a family-friendly neighborhood. Step inside to an oversized foyer with a convenient coat closet, setting the tone for the fresh neutral paint and new flooring that flow throughout the home. The open floor plan features generous living areas on both levels—perfect for

Lori Black EXIT Realty Midwest- Spencer/Emmetsburg

Live in it to love it or an investment opportunity!! Bring your creative ideas and make this 3 bedroom cape cod home shine again! Located close to several parks, Johnson school and the YMCA this home sits on a large corner lot and has most of the hard work and big items done. Offering you all new mechanicals including the furnace, water heater and electrical panel which have been installed and

Bryan Sebastian Hinn Real Estate