There are no geographical USDA loan restrictions in this postal code. Click for more details on 51358.

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Living near Spirit Lake has many advantages. The city is within walking distance of many beautiful parks, offering the perfect opportunity to enjoy nature and some fresh air. There are also a variety of shopping, dining, and entertainment options in the area, so there's something for everyone. The local schools have a great reputation, making it a great place to raise a family.

The only downside of living near Spirit Lake is that the cost of living can be slightly higher than more rural areas. This can mean higher housing costs and higher taxes.

Kelly Bierl
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Agent
I am a full-time Real Estate Agent for Iowas Family owned and operated Real Estate Company, Hometown Realty. I truly enjoy ... see full details and contact information for Kelly ... team, the Minnesota Vikings. Call or text me anytime at (712) 260-5711.
Kelly has 25 recent and active property listings that range in price from $55,000 to $1,795,000 with the most recent sale on 2024-02-20 for $140,000.
Serving the areas of Breda, Ruthven, Webb, Royal, Spencer, Milford, Hartley, Lake View, Wall Lake & Gillett Grove
Kim Bates
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Providing navigation through your real estate needs
I will always put my client's needs first. It's all about YOU. I have been a licensed agent since 2000 and a broker since ... see full details and contact information for Kim ... choose to make me your Realtor. I look forward to working with YOU.
Kim has 27 recent and active property listings that range in price from $27,900 to $295,000.
Serving the areas of Primghar, Graettinger, Rutland, Granville, Lone Rock, Alta, Auburn, Orange City, Lake View & Truesdale
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Lakeland Realty Of Iowa
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Born in Spirit Lake, IA. Raised on Lost Island Lake, near Ruthven. Resident of the Iowa Great Lakes Region since 1990. ... see full details and contact information for Lakeland ... needs, because serving others as a lakehome specialist is what I do!
Lakeland has 2 recent and active property listings that range in price from $349,900 to $449,900.
Serving the areas of Spirit Lake, Ruthven, Lake Park, Okoboji, Arnolds Park, Milford & Terril
Jayden Johnson
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Johnson Realty


Office address:
921 Broadway
Emmetsburg, IA

This realtor has 4 recent and active property listings that range in price from $114,900 to $765,900.
Serving the areas of Ringsted, Emmetsburg, Ayrshire, Spencer, Ida Grove, Cylinder, Ruthven, Royal & Graettinger
Cristy Jones
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Your Home... Your Vision... My Commitment!
Buying or selling a Home can be a wonderful experience and I want to make yours as enjoyable and hassle-free as possible. ... see full details and contact information for Cristy ... our kids, golfing, doing yoga, landscaping, and playing Mah Jongg.
This realtor has 16 recent and active property listings that range in price from $214,900 to $284,900.
Serving the areas of Hartley, Ruthven, Spencer, Everly, Okoboji, Milford & Spirit Lake
Abby Goodell
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Abby is a dedicated real estate professional with a passion for helping clients achieve their real estate goals. As a proud ... see full details and contact information for Abby ... to make the real estate process smooth and stress-free for her clients.
This realtor has 1 active or recent property listings for $215,000.
Serving the areas of Newell, Cherokee, Fort Dodge, Marcus, Rockwell City, Sioux Rapids, Sac City, Okoboji & Hartley
Jill Longest
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What Matters To You, Matters To Me!
My name is Jill Longest and I have proudly been a Realtor with EXIT Realty Midwest since January of 2015. I have been a ... see full details and contact information for Jill ... Lakes Board of REALTORS where I served as a Director on our local Board.
Jill has 1 active or recent property listings for $615,000.
Serving the areas of Estherville, Arnolds Park, Lake Park, Spirit Lake, Okoboji, Milford, Ruthven, Terril & Spencer
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John Goede
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Offering Only Quality Service
For over 40 years, giving back to my clients, community and profession has been at the forefront of my activities. If you ... see full details and contact information for John ... community and industry translates to a positive experience for my clients.
John has 1 active or recent property listings for $410,000.
Serving the areas of Peterson, Ruthven, Okoboji, Lake Park, Primghar, Spirit Lake, Royal, Ayrshire, Ocheyedan & Everly
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Mark Nibbe
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I have residences in Minnesota and Iowa and am licensed in both states. I welcome the opportunity to help first time home ... see full details and contact information for Mark ... difference that quality service makes. I look forward to working with you!
This realtor has 0 active or recent property listings for $0.
Serving the areas of Mapleton, Elysian, Janesville, Eagle Lake, Lake Park, Mankato, Okoboji & Madison Lake
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Here are some general pros and cons of homeownership in the town of Spirit Lake, Iowa:

Pros:
- Real estate prices in Spirit Lake are generally affordable compared to many other similar sized towns in Iowa.
- Housing inventory is relatively stable, with a variety of options to choose from (e.g., single-family homes, condos, townhomes).
- Monthly mortgage payments can be lower than rent payments in many cases.
- Owning a home can provide a sense of stability and investment in the community.
- Property values have been historically stable or increasing, which could lead to long-term wealth accumulation.

Cons:
- As with any location, there may be a risk of natural disasters, such as flooding or tornadoes.
- Maintaining a home requires time and money, so homeowners must be prepared for the financial responsibility that comes with homeownership.
- Depending on your situation, homeownership can limit your flexibility to move on short notice.
- Homeowners in Spirit Lake may be responsible for snow removal and lawn maintenance.

It's important to note that whether homeownership in Spirit Lake is right for you specifically will depend on a variety of individual factors, including your financial situation, lifestyle, and personal preferences.