171 houses for sale in Spencer city, Clay County Iowa

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

This is a Real Estate-Owned (REO)/post-foreclosure home owned or managed by a bank. All offers are considered; however, the highest and best will most likely be accepted

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

This is a Real Estate-Owned (REO)/post-foreclosure home owned or managed by a bank. All offers are considered; however, the highest and best will most likely be accepted

This home is in preforeclosure, which means the homeowner is in default (missed payments). Therefore, there could be an opportunity to strike a great deal with the owner and the bank

First time for sale to the public! 3rd-generation owner! 4+ bedroom with a triple car garage on 3/4 of an acre. This adorable farmhouse greets you with a well-maintained exterior featuring an open front porch and vinyl siding. The rear of the house has an enclosed porch that has the laundry on the main & can be used as a mudroom. The main floor has been remodeled with updated flooring, newer windows, an Onyx shower system, and wood cabinets in the eat-in kitchen. This can be all-on-one-level living as the main floor has a bedroom as well. The upstairs has 3 bedrooms and one extra non-conforming bedroom or office or 2nd living area or 2nd bathroom option. Freshly painted throughout & professionally cleaned. The HVAC, water heater, and electrical panel were new in 2024. The triple car garage and ample off-street parking are hard to find in town, along with space to have a good garden. This home is ready for you!

New Construction Two-bedroom, two-bath townhome located near YMCA & Country Club. Quality finishes include maple cabinets & vanities, quartz countertops, a ceramic tile back splash and stainless-steel appliances for the kitchen area will be added soon and are included in the price, 9-ft ceilings, Pella windows, 9ft x 15ft covered porch easily converted to 4 season room for den, double attached lined & insulated heated garage, & lawn irrigation system. Five-year tax abatement

Welcome to this modern, move-in ready ranch home offering updates and classic comfort in an ideal location! Beautifully refreshed interior with light filled spaces and a functional floor plan including main floor laundry. Enjoy a spacious fenced in yard with deck, patio, firepit and shed. Don't miss this must see, move-in ready home with unmatched outdoor space!

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 garage and a usable lot

Introducing a stunning new construction home to the market! This 3-Bedroom 2 Bath gem is designed with modern living in mind. With a spacious open floor plan spanning 1,533 finished sq ft this house offers a perfect blend of comfort and style. As you enter you will be greeted by the inviting living area showcasing the seamless flow between the living room, dining space & kitchen. The open layout creates a warm & inclusive atmosphere, perfect for entertaining friends & family. The kitchen is a true highlight, boasting a walk-in pantry that provides ample storage for all your culinary needs. The master bedroom is a peaceful retreat, complete with an en-suite bathroom and a generous walk-in closet. With two additional bedrooms, this home provides plenty of space for a growing family or for those in need of a home office or guest rooms. The attached oversized 2-stall garage ensures convenient parking & storage. Don't miss the opportunity to make this house your dream home. Schedule a showi

Beautifully situated on a generous corner lot surrounded by mature landscaping, this expansive residence offers an exceptional blend of elegance, comfort, and remarkable versatility across three impeccably finished levels. Inside, an impressive 5-bedroom layout is complemented by 2 additional spacious bonus areas, providing endless possibilities for guests, hobbies, recreation, or a home gym. A dedicated formal office creates an ideal private workspace, while the formal dining room and sophisticated butler pantry add an elevated touch for effortless entertaining. The heart of the home offers multiple gathering spaces, including 2 living rooms and a separate eat-in kitchen designed for both everyday living and memorable occasions. A beautiful 4-season room invites you to slow down, relax, and enjoy the beauty of the surrounding property throughout the year. With 5 bathrooms, space is never compromised, and the 3+ car garage with secondary access provides exceptional convenience for vehi

This cozy 2 bedroom home is looking for its next owner to make it feel like home again. The interior is a blank slate for you to live out your interior designer dream. Call and schedule your showing today!

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 cabinetry, a full bath, and a convenient main-floor bedroom. Upstairs, youâll find two additional bedrooms, including a generously sized room with built-in storage. Enjoy the enclosed front porch, rear deck, nice-sized backyard, and detached garage for parking and additional storage. This home offers a great opportunity for a buyer looking to add their own personal touches. Home is being sold as is

Your next home awaits! Take advantage of this rare opportunity to own in the tucked away neighborhood of Breezy Meadows Lane in Spencer. Located right off of W 4th St, this 5-bedroom, 3-bathroom house sits on an oversized lot and is across the street from the beautiful Little Sioux River. Enjoy a tranquil life at home without leaving the amenities of in-town living

Your next home awaits! A spacious corner lot conveniently located in town, this is a five-bedroom, four-bathroom ranch is ready to move in and make your own. Beautiful details create character and interest, meaning this is a house unlike any other in town

Introducing a stunning new construction home to the market! This 3-Bedroom 2 Bath gem is designed with modern living in mind. With a spacious open floor plan spanning 1,533 finished sq ft this house offers a perfect blend of comfort and style. As you enter you will be greeted by the inviting living area showcasing the seamless flow between the living room, dining space & kitchen. The open layout creates a warm & inclusive atmosphere, perfect for entertaining friends & family. The kitchen is a true highlight, boasting a walk-in pantry that provides ample storage for all your culinary needs. The master bedroom is a peaceful retreat, complete with an en-suite bathroom and a generous walk-in closet. With two additional bedrooms, this home provides plenty of space for a growing family or for those in need of a home office or guest rooms. The attached oversized 2-stall garage ensures convenient parking & storage. Don't miss the opportunity to make this house your dream home. Schedule a showi

Opportunity Awaits! This Cape Cod offers a flexible layout with two+ bedrooms upstairs, two baths, and a main-floor office featuring built-in storage. The lower level is a blank slate with laundry, storage, and plenty of space to explore future possibilities. Outside, you'll find a detached one-car garage, while the location puts you close to parks, schools, and grocery stores. Whether you're looking for a place to build equity, an investment property, or your next renovation project, bring your ideas and see what this home could become. Home being sold AS IS

Step inside this charming 1950's home with Character! A mid-century classic beautifully blends timeless craftsmanship with modern functional spaces. Comfortable layout on the main floor with a spacious living area and bonus three season room. Upstairs you will enjoy three spacious bedrooms that offer original hardwood floors. Enjoy an evening outside on the large patio and a fenced yard

Great beginnings. Thereâs 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 of concrete and wood countertops, while the living and dining areas keep the main floor open and connected. Upstairs keeps the bedrooms and full bath together, and the unfinished basement adds useful storage below. Out back, the fully fenced yard offers room for pets, play, gardening, or simply enjoying the outdoors, with alley access to the detached one-stall garage. Sometimes a great beginning starts with simply finding the right place to call home

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 gutters and upgraded skirting with R-17 insulation and steel on both sides, adding durability and efficiency year round. Move-in ready and packed with modern features, this home is a fantastic opportunity to enjoy low-maintenance living in a great community

The Declan Floor Plan with 1,653 Finished SqFt is the largest floorplan option in the Westfield Development. The spacious open floor plan allows for many workable furniture arrangement layouts. Rest easy in the Master Bedroom, with Master Bath Ensuite, and Walk-in Closet. Oversized 2 Stall Garage has built in floor drain and water spigot for your convenience. Westfield Clubhouse includes an entertaining area complete with kitchen for you to enjoy with your friends and family or neighborhood gatherings. The basement will be used for storm shelter if needed. Street assessments have been paid in full and there is a 5 year tax abatement to save you even more

Ranch Home in a Great Spencer Location! This well-maintained 3-bedroom ranch offers 1,992 total sq. Ft. with 1,665 finished, plus a non-conforming bedroom and 3/4 bath in the basement. Enjoy the large covered back porch and plenty of flexible living space. Peace of mind comes with the Thrasher Basement System, installed by the previous owner, with no history of basement water. Updates include 2019 roof shingles, newer windows, a newer garage door, and annually serviced HVAC. All appliances are included. Located across from Spencer Middle School and close to walking/bike trails, the soccer complex, and baseball & softball fields, this home offers convenience and recreation right outside your door!

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, along with main floor laundry for added convenience. 2 bedrooms are located on the main level, while the basement features a family room and 2 additional nonconforming bedrooms ideal for guests, office space, hobbies, or extra storage. Enjoy the attached 2 car garage, comfortable living spaces, and a great location close to shopping, recreation, and community events. Easy living with plenty of room to spread out!

Opportunity awaits just 3 miles west of Fostoria! This 5.9-acre property offers plenty of space and potential in a convenient location just off County Road B14. The 5-bedroom home is a total fixer-upper and is ready for someone with vision to bring it back to life. The home offers 5 bedrooms and 2 bathrooms, with one bathroom currently gutted and ready for renovation. Whether you're looking for an acreage project, additional land, or a property to renovate and make your own, this property provides a great opportunity to create something special. Being close to Fostoria while offering nearly 6 acres gives you the best of both convenience and country living. Multiple outbuildings provide plenty of extra storage or workspace, including one 22' x 70' building and one 24' x 34' building. Bring your vision and make this acreage your own! Property is being sold as is

From Any Angle. There's More. Follow the natural flow from the living room into a kitchen designed to keep life moving, where granite countertops, plenty of workspace, and cabinet storage that keeps everything within reach make everything from quick breakfasts to holiday meals feel effortless. Wander into the four-season room and watch all the seasons unfold, or step outside to the composite deck for an evening under the open sky. A main-floor office provides a quiet place to work or create, while the finished lower level offers a second fireplace, a spacious family room, and flexible space for movie nights, game days, hobbies, or overnight guests. With 3+ bedrooms, 4 bathrooms, more than 2,800 finished square feet, and a heated 3-car garage, this home continues to reveal possibilities at every turn

Simple & Sensible â This bungalow-style home offers an affordable opportunity with the peace of mind of several major updates already completed. The 704 sq. ft. Layout includes one bedroom, one full bath, a bonus office, and a functional kitchen and living area. Recent improvements in 2025 include a new furnace, central air conditioning, water heater, and breaker box. Outside, you'll find a detached 2-car garage and additional storage shed. Property is being sold AS IS

This completely renovated 5 bed, 2 bath home combines timeless charm with the peace of mind that comes from extensive modern updates. Thoughtfully transformed by Orris Construction, this home offers 1,647 finished sq ft, close proximity to downtown Spencer, and quality craftsmanship throughout. From the moment you arrive, youâll appreciate the fresh curb appeal featuring new siding, gutters, upgraded windows and doors, and fresh landscaping. Inside, the home has been extensively updated with new subfloors and interior walls, giving it a new construction feel. The main floor features a large living area with plenty of natural light, custom built-ins, and a spacious kitchen and dining area for entertaining. Just off the kitchen is a large mudroom with ample storage and convenient access to your laundry and covered patio. Completing the main level is a spacious flex roomâto use as your primary bedroom, an office, or however you see fitâas well as a full bath. Heading upstairs provides mor

Modern Comfort Meets Easy Living! Welcome to this beautifully maintained zero-entry single-story ranch. Enjoy a spacious 2 Bed, 2 Bath home located in the desirable Stoneybrook neighborhood. Built in 2013, this 1,374 Sq. Ft. residence offers the perfect blend of modern amenities and low-maintenance living, making it an ideal choice for anyone looking to simplify without sacrificing quality. The heart of the home features vaulted ceilings and an inviting family room that flows seamlessly into the kitchen, 4 season room and dining areas. Outdoor spaces include a manageable yard perfect for small gatherings or enjoy the use of the HOA Community Room and Pool