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612 E 2nd St, Sumner, IA, 50674

4beds
1baths
1,234sqft
$88,000
$71price/sqft
$786/moest. monthly cost
$31,440/yrincome needed

About This Home

This cute little home has GREAT potential!! It will require some cosmetic work but is a fantastic starter home. Give notice to your landlord and own this 4 bedroom affordable home instead of paying rent. OR fix it up and make it a rental property. Remodeled entry way with built in cabinets, cubbies & shoe racks for storage. Open living room/dinning room. Galley style kitchen, attatched garage, & fire pit. This home is looking for someone to love it just as we did. Call soon to make your move. 319-505-7331

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

Construction

Condition

  • Year built: 1918

Materials

  • Foundation: Concrete Block
  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Hardwood,Laminate,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,234 sqft

Property

Details

  • Parcel number: 0424456009

Features

  • Exterior features: Vinyl,Wood

Lot

  • Lot size: 8,712 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Winter Weather
Hail
Strong Wind
Tornado

FEMA Declared Disasters Across Iowa Counties

Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $444$5,328
Home Insurance *$127$1,524
Property Taxes $94$1,128
Electricity $121$1,452
Total$786$9,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,948/yr
40% on housing$23,580/yr
45% on housing$20,960/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 1,021Commercial: 22
Total Premiums$1.14M
Total Exposure$85.68M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.0%
-2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$71This listing

vs Other Active Listings

Avg $/sqft

ZIP 50674$120
Bremer County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 50674$68
Bremer County$127

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-06-17Listed for sale$88,000
2016-09-01Sold$45,000
2013-07-26Sold$46,673
2011-06-21Sold$50,000

For Sale by Owner

AgentProperty Owner

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