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Single Family ResidenceResidential
$105,409$81 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $110,000 on Mar 6, 2025

103 S SPENCER ST

WEST LIBERTY, IA 52776
3
Beds
1.5
Baths
1,296 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1968
Year BuiltThe year the home was originally built, according to county records.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$105K
$74K low$137K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$110,000 · Mar 6, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,232 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$123,540 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$23,480
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$100,060
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,530
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$123,540

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.38
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
75
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyMUSCATINE
Lot (acres)The size of the land the home sits on, from county records.0.22
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 20 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
West Liberty Middle SchoolD-
Middle · Grades 5–8 · 0.5 mi
E
West Liberty Elementary SchoolF
Elementary · Grades KG–4 · 0.7 mi
H
West Liberty High SchoolD-
High · Grades 9–12 · 0.8 mi

District: West Liberty Community School District

Neighborhood · ZIP 52776These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.96
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.24

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.0%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.5,303
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.60 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$75,804
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,610
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.36 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

103 S Spencer St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 94% of homes in West Liberty 52776
  • Costs less per square foot than 93% of homes in West Liberty 52776
  • Smaller than 67% of homes in West Liberty 52776
  • Has a smaller lot than 68% of homes in West Liberty 52776

What homes are worth in West Liberty 52776

Each bar is how many homes fall in that price range. The marker is this home.

This home
$85K$521K

This home is worth more than 6% of homes in West Liberty 52776.

How it measures up in West Liberty 52776

The dot is this home. The mark in the middle is the typical home in West Liberty 52776.

Estimated value$105,409
CheaperTypical $204,421Pricier

Pricier than 6% of homes nearby

Price per ft²$81
CheaperTypical $146Pricier

Pricier than 7% of homes nearby

Living area1,296 ft²
SmallerTypical 1,540 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.22 ac
SmallerTypical 0.31 acBigger

Bigger than 32% of homes nearby

Year built1968
OlderTypical 1957Newer

Newer than 56% of homes nearby

How 103 S Spencer St ranks against every home in each area.
MeasureThis homeWest Liberty 52776Muscatine County
Estimated valuepricier than$105,4096% of homes16% of homes
Price per ft²pricier than$817% of homes15% of homes
Living areabigger than1,296 ft²33% of homes41% of homes
Lot sizebigger than0.22 ac32% of homes42% of homes
Year builtnewer than196856% of homes58% of homes

About 103 S Spencer St

How much is 103 S Spencer St, West Liberty, IA worth?

The TopHap Estimate for 103 S Spencer St, West Liberty, IA is $105,409 as of Oct 21, 2026. The likely range is $73,721 to $137,097. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 S Spencer St, West Liberty, IA last sell?

103 S Spencer St, West Liberty, IA last sold on Mar 6, 2025 for $110,000, according to the county's recorded deed.

How big is 103 S Spencer St, West Liberty, IA?

103 S Spencer St, West Liberty, IA has 3 bedrooms, 1.5 bathrooms, 1,296 square feet of living space and a 0.22-acre lot.

When was 103 S Spencer St, West Liberty, IA built?

103 S Spencer St, West Liberty, IA was built in 1968, making it 58 years old. It is a conventional home.

What schools serve 103 S Spencer St, West Liberty, IA?

103 S Spencer St, West Liberty, IA is assigned to West Liberty Middle School (middle), rated D-; West Liberty Elementary School (elementary), rated F; West Liberty High School (high), rated D-. All sit in West Liberty Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 S Spencer St, West Liberty, IA compare to other homes in West Liberty 52776?

Among the 1,629 homes in West Liberty 52776, it is worth more than 6% of them ($105,409 against a typical $204,421), its price per square foot is higher than 7% of them ($81 against a typical $146), it is bigger than 33% of them (1,296 ft² against a typical 1,540 ft²), its lot is bigger than 32% of them (0.22 ac against a typical 0.31 ac) and it is newer than 56% of them (1968 against a typical 1957). Measured against all of Muscatine County, it is worth more than 16% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 103 S Spencer St, West Liberty, IA?

The 2025 property tax bill for 103 S Spencer St, West Liberty, IA was $2,232. The county assessed it at $123,540.

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