Spencer, IA Homes under $200,000

This well-cared-for ranch-style home has been lovingly maintained by the same owner for decades and is ready for its next chapter. Featuring 2 legal bedrooms with the potential for 2 additional bedrooms, this home offers plenty of room to grow. You’ll find 2 bathrooms, a spacious living area, and original hardwood floors hidden beneath the carpet upstairs, just waiting to be uncovered and

Jessica Jacobs eXp Realty LLC

Welcome to this well-maintained 3-bedroom, 1-bath Ranch-style home, offering comfortable living and great curb appeal. Featuring a spacious 28' x 24' attached garage and a generous driveway, there's plenty of off-street parking for multiple vehicles. Recent updates over the past few years include both interior and exterior paint, new flooring, a remodeled bathroom, and new roof shingles—adding

Doug Small Hinn Real Estate

This well-maintained ranch-style home offers comfortable, one-level living with 3 bedrooms, 2 bathrooms. The lower level has great spaces, a family room and possible bedroom or office. The kitchen features ample cabinet and counter space, modern appliances, perfect for families, retirees, or anyone looking for a cozy and functional home. Enjoy Iowa’s beautiful seasons in the large backyard,

Bob Bates Northwest Iowa Realty

Welcome to your own slice of paradise in the heart of Spencer! This beautifully maintained 3-bedroom, 2-bath home offers comfort, convenience and stunning natural surroundings! The floor plan is spacious and inviting with warm, filtered light throughout. Your backyard opens up the the tranquil Little Sioux River, the perfect setting for peaceful mornings with coffee or evenings with friends!

Bob Bates Northwest Iowa Realty

NEW TO THE LISTING: New Furnance/ AC & sewer line to be installed on this 4-bedroom, 2-bathroom home offering 1,152 square feet of comfortable living space. Featuring two conforming bedrooms and two non-conforming bedrooms—including a spacious primary suite—this home has seen numerous upgrades over the years. Improvements include new siding, windows, soffit, fascia, gutters, and a recently

Doug Small Hinn Real Estate

Livable. Lovable. Available. This updated 3-bedroom charmer is ready for its next chapter! With fresh paint inside and out, new flooring, thoughtful landscaping, and a heated garage—you’ll feel right at home from day one. The spacious eat-in kitchen features refinished cabinets, quartz countertops, and a tile backsplash, while the lower level offers bonus living space with a cozy wet bar and room

Kelly Bierl Hometown Realty

Enjoy the peacefulness of living on a no outlet street. Shaded back Yard with flower beds, 2-bedroom, 2 bathrooms, 2 living rooms front and back, New Refrigerator, New Stove/Oven, New Dishwasher, New exhaust hood, Fresh Paint. New carpet, looking for new owners!

Jason Grinnen RE/MAX Lakes Realty

Convenient, comfortable, and just the right size—this no-fuss, zero entry condo is tucked into a quiet neighborhood and offers just the right amount of space for someone ready to downsize or simplify. Whether you're transitioning off the farm or just looking for no stairs and more ease, this well kept, two-bedroom home is all about comfort and practicality. With main floor laundry, a wide 42-inch

Kelly Bierl Hometown Realty

Opportunity knocks! This 3-bedroom home offers a solid main floor that's move-in ready, with the potential for a 4th bedroom or office, and additional half bath in the unfinished lower level--perfect for anyone looking to build equity and customize to their taste. Major updates already completed include a brand new HVAC system, water heater, exterior electrical service panel, interior electrical

Nicole Nimke EXIT Realty Midwest- Spencer/Emmetsburg

This delightful bungalow is a perfect blend of character and modern convenience, making it ideal for anyone looking for a cozy place to call their own! Features include: updated windows, vinyl siding, updated furnace and water heater, roof replaced 2018, vinyl siding, 200 amp electrical panel, gutter guards, nicely landscaped yard and spacious 1 1/2 car garage. You will feel welcome right away

Kim Bates Northwest Iowa Realty

Great Courtyard View. Spencer Golfview Condominiums. Spacious 2-bedroom 1 bath unit located on the 2nd floor. This unit offers a will laid out main floor living area with space for formal dining table, kitchen has new quartz counter tops and all new appliance package, updated bath with new custom walk-in shower. Large covered private balcony with courtyard view. Golfview Condominiums offers

Susanne Hallett Realty Professionals

Charming & well-maintained 2-bedroom condo with one-level living. All appliances can be included. This home features an enclosed front patio, an eat-in style kitchen, roomy bathroom with a walk-in shower, living room, King-sized bedroom and Queen-sized bedroom both with spacious closets. The garage has a wall of cabinets for extra storage. Plenty of green space in the backyard if you want to

Dana Reinders EXIT Realty Midwest- Spencer/Emmetsburg

Enjoy this open, 2-BR home in quiet neighborhood, near walking and biking trails. Waiting on your own personal TLC. Large garage for hobbies and equipment. Partially fenced backyard offers space for entertainment. Full and finished basement. Contact your favorite real estate agent before this slips away!

John Goede Century 21 ProLink

This versatile half-acre commercial property offers excellent proximity to major highways, making it ideal for distribution, storage, or business expansion. Featuring high-quality cold storage facilities, it’s perfectly suited for businesses requiring temperature-controlled environments. A strategic location and specialized infrastructure make this a rare opportunity for investors or growing

Nick Steffes Integrity Real Estate

Welcome to this charming and cozy 2-bedroom, 2-bath home nestled on a peaceful street. Thoughtfully updated throughout, this move-in ready gem features a practical layout with main floor laundry for added convenience. The inviting living spaces are warm and welcoming, perfect for relaxing or entertaining. Step outside to find a patio overlooking the back yard for outdoor enjoyment and a detached

Lori Black EXIT Realty Midwest- Spencer/Emmetsburg

All brand new! This house was completely renovated inside after the flood in June 2024. New electric, HVAC, plumbing, flooring, kitchen, and additional ensuite bathroom added while the work was done. A ranch-style home with three bedrooms, two bathrooms, laundry right off the kitchen and fenced-in backyard with utility shed. This house was re-built to make maintenance easy!

Kate Padilla eXp Realty LLC

Two-Bedroom Home in a great location with the potential of a 3rd lower level bedroom. This home features a fenced yard, spacious patio and an oversized two-car detached garage for all your toy storage needs. This home offers a wonderful canvas for your personal touches. Located close to the Spencer Middle School, Parks and Trails. Don't miss your opportunity to invest in a property with so much

Kim Bates Northwest Iowa Realty

Well-Maintained 3 Bedroom, 2 Bathroom Ranch Home with Full Basement and DOUBLE Car Attached Garage! This clean and well-cared-for ranch-style home offers 3 bedrooms and 2 bathrooms, all conveniently located on the main floor, along with main-level laundry for added ease. Each bedroom features large closets and plenty of storage, making everyday living more functional. While there is carpet

Abby G My Real Estate Company

Welcome Home! Step into this well maintained 3-bedroom, 2-bathroom 1.5-story home, ideally located just blocks from the heart of downtown Spencer. With 1,781 square feet of living space, this home offers a perfect balance of functionality and comfort. As you enter, you’re greeted by an enclosed porch leading to the living area which flows effortlessly into the well-appointed kitchen. The kitchen

Sean Kondrath Real Estate Unlimited

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 Northwest Iowa Realty

Spacious, Stylish, and Move-In Ready! Step into this newly updated home featuring a generous open-concept layout and stylish finishes throughout. With 3 oversized bedrooms, each larger than the last, there’s room for everyone to spread out and relax. Key Features: Open-concept living and dining area, perfect for entertaining Classic brick fireplace adds warmth and charm 2 full bathrooms and

Nick Steffes Integrity Real Estate

Charming 3-bedroom ranch home, steps away from the YMCA, and the Clay County Fairgrounds! Inviting main floor complete with beautiful hardwood floors, a kitchen with plenty of cabinet space, 3 bedrooms, and a newer stackable washer and dryer for the convenience of main floor living. The lower level is a blank canvas, and ready for your personal finishes! New furnace, water heater, 2 electrical

Nicole Nimke EXIT Realty Midwest- Spencer/Emmetsburg