Spencer, IA Homes for Sale under $200,000

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

Move-In Ready Ranch! This updated ranch-style home features 2 bedrooms, 1.5 baths, and convenient main floor laundry. Enjoy the open-concept layout with a modern kitchen and spacious living area. The basement is ready to be finished to your liking! Outside, you’ll appreciate the one-car detached garage and easy-to-maintain yard. A great opportunity to own a move-in ready home.

Kari Stave EXIT Realty Midwest- Spencer/Emmetsburg

A Yard Meant for Memories, a Home Meant for You. There’s something about this place that just feels right. Out front, a towering shade tree sets the stage for a home that’s been well cared for with pride. Out back, the yard opens wide—room for backyard games, evening fires, or simply tending the flower garden that adds a burst of color each season. A patio door leads you to the deck, where

Kelly Bierl Hometown Realty

Welcome to 215 6th St SW, this 3 bedroom, 2 bath ranch is located in a quiet, family friendly neighborhood and close to Lincoln School, Shopping and Entertainment. New major mechanicals were installed last year, and the basement is framed with room to grow and add equity.

Bob Bates Northwest Iowa Realty

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

Your Spencer opportunity awaits! Raise your family in this awesome 4 bed 2 bath home with a spacious 3 car garage! Multiple living spaces on the main level makes for comfortable room for the whole family. Bathroom on main and upper level! Updated kitchen! Fenced back yard for your children and pets to enjoy! Set up your private viewing today!

Charlie Leissler RE/MAX Lakes 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 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

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

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

Start Fresh on Second Street! This bungalow is more than just a house—it’s a blank canvas waiting for its next chapter with a little TLC needed. Step inside to discover warm wood floors that stretch through the living room, where natural light filters in and an arched doorway leads you toward the kitchen. With two bedrooms plus a bonus space, the layout adapts easily to your lifestyle—whether

Kelly Bierl Hometown Realty

Showstopper Alert Don’t Look Any Further! This stunning Cape Cod style home offers over 1,600 sq. ft. of living space and is designed to impress. The main floor features an open concept living room, sunroom, and dining room, creating a warm and inviting flow for everyday living and entertaining. The kitchen, complete with all appliances to stay, is set apart for those who prefer a defined

Kari Stave EXIT Realty Midwest- Spencer/Emmetsburg

Looking for a home with character, convenience, and a great location? This property has it. This home features original hardwood floors in the living room and both bedrooms, adding warmth and charm. The kitchen includes a washer and dryer for convenience and opens to a family room with sliding doors leading to the deck. Step outside to enjoy a spacious backyard, perfect for entertaining or

Sarah Stickler Northwest Iowa Realty

Charming Corner-Lot Home! This 2-bedroom, 1-bath home offers convenient main-floor living and modern updates throughout. Enjoy the beautifully renovated kitchen and bath, thoughtfully designed for comfort and style. Situated on a desirable corner lot, this move-in-ready property combines charm and functionality perfect for easy living

Kari Stave EXIT Realty Midwest- Spencer/Emmetsburg

Welcome home to this well-maintained 3-bedroom, 1-bath ranch located on a peaceful dead-end street at the edge of town. Perfectly positioned for privacy and convenience, this home offers comfortable one-level living with a functional layout. Step inside to find all-new flooring throughout the home, providing a fresh, modern feel. The spacious living room flows seamlessly into the dining area and

Lori Black EXIT Realty Midwest- Spencer/Emmetsburg

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

Welcome to this cozy 2-bedroom, 1-bath bungalow featuring classic charm and modern updates. The new roof (2022) offers peace of mind, while the inviting deck is perfect for morning coffee or relaxing evenings. Inside, you’ll find a warm and welcoming living space that’s ideal for everyday living or entertaining. The property also includes a 1-car detached garage for parking or extra storage. All

Abby G My Real Estate Company

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

Susanne Hallett Realty Professionals

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 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 to the tranquil Little Sioux River, the perfect setting for peaceful mornings with coffee or evenings with friends!

Bob Bates Northwest Iowa Realty

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

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

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