# 21189 4th Lane, Spirit Lake, IA 51360 > **TL;DR:** 4bd/3ba single family, $1,599,000 ($574/sqft), built 1979, 2,784 sqft. > Waterfront, A/C, 2-car garage. Est. $8,551/mo. Listed 185 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $1,599,000 | | Price/sqft | $574 | | Bedrooms | 4 | | Bathrooms | 1 full, 1 half | | Square Feet | 2,784 | | Year Built | 1979 | | Lot Size | 9,104 sqft (0.21 acres) | | Stories | 1 | | Garage | 2-car | | Property Type | Single Family (Single Family Residence) | | Status | Active | | Days on Market | 185 | ## Why This Home Stands Out - **Waterfront** - Waterfront location listed ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $8,085 | | Estimated Insurance | $466 | | **Total** | **$8,551** | ## Key Amenities - Waterfront - A/C - 2-car garage ## Property Highlights - Built in 1979 - 0.21 acre lot - Waterfront ## Description ### Agent Description Welcome to Monarch Cove! This is one of the many special communities that make Okoboji timeless! You will absolutely gain lifelong friends living here! This home exemplifies the charm of the lake life. Friends and family can enjoy enjoy hanging out on the dock, reading on the deck or retiring to the house to lounge in front of the gorgeous fireplace. Writing your family's piece of Okoboji history starts here! ## Location - **Address:** 21189 4th Lane, Spirit Lake, IA 51360 - **County:** Dickinson - **Coordinates:** 43.4230105, -95.1655546 - **Google Maps:** https://www.google.com/maps?q=43.4230105,-95.1655546 ## Listing Agent - **Name:** Kirk Stauss - **Brokerage:** Stauss Realty - **Broker Phone:** (712) 332-2470 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/21189-4th-Ln_Spirit-Lake_IA_51360_M83593-74337?f=listhub&s=IGLBORIA&m=260387&c=propsimple) ## Photos ![21189 4th Lane - Photo 1](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2070465228r.jpg) ![21189 4th Lane - Photo 2](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2917545764r.jpg) ![21189 4th Lane - Photo 3](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3979604055r.jpg) ![21189 4th Lane - Photo 4](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3370247871r.jpg) ![21189 4th Lane - Photo 5](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2216124062r.jpg) ![21189 4th Lane - Photo 6](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3895029133r.jpg) ![21189 4th Lane - Photo 7](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2217364152r.jpg) ![21189 4th Lane - Photo 8](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f305738091r.jpg) ![21189 4th Lane - Photo 9](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f97269r.jpg) ![21189 4th Lane - Photo 10](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2953775400r.jpg) ![21189 4th Lane - Photo 11](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2517710861r.jpg) ![21189 4th Lane - Photo 12](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3583384126r.jpg) ![21189 4th Lane - Photo 13](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3708636095r.jpg) ![21189 4th Lane - Photo 14](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3382408403r.jpg) ![21189 4th Lane - Photo 15](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f1238883936r.jpg) ![21189 4th Lane - Photo 16](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f3356682568r.jpg) ![21189 4th Lane - Photo 17](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2268404901r.jpg) ![21189 4th Lane - Photo 18](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f2645358716r.jpg) ![21189 4th Lane - Photo 19](http://lh.rdcpix.com/1fc528d7ada8626cdc24316821d73b76l-f1327600321r.jpg) --- **MLS#:** 260387 | **Updated:** 2026-10-26 **Source:** listhub *Copyright © 2026 Iowa Great Lakes Board of Realtors. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.* [View on PropertySimple](https://staging.propertysimple.ai/listing/21189-4th-lane-spirit-lake-ia-51360-e17a0f8e74134d08b8135c06c24dca3b) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://staging.propertysimple.ai/listing/21189-4th-lane-spirit-lake-ia-51360-e17a0f8e74134d08b8135c06c24dca3b#listing", "url": "https://staging.propertysimple.ai/listing/21189-4th-lane-spirit-lake-ia-51360-e17a0f8e74134d08b8135c06c24dca3b", "name": "21189 4th Lane, Spirit Lake, IA 51360", "description": "Welcome to Monarch Cove! This is one of the many special communities that make Okoboji timeless! You will absolutely gain lifelong friends living here! This home exemplifies the charm of the lake life. 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