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412 W 2nd St, Sioux City, IA, 51103

3beds
1baths
1,176sqft
$119,000
$101price/sqft
$952/moest. monthly cost
$38,080/yrincome needed

About This Home

If you’ve been waiting for something move-in ready with room to add your own value, this is it. This well-cared-for home at 412 W 2nd St. offers a solid start with updates already completed and space to make it your own. Featuring 3 bedrooms and 1 bathroom, this layout provides functional living space with high ceilings that create an open feel throughout. The kitchen includes appliances that stay, including the refrigerator and stove, along with ample storage and natural light that flows into the dining area. Interior updates include modern light fixtures and new tile work in the bathroom, while central A/C adds comfort in those hot summer months. The basement offers an impressive amount of storage space, along with an attached 200 sq ft tuck-under garage. Washer and dryer are included as well, making move-in even easier. Outside, enjoy a freshly painted porch and a low-maintenance yard, along with durable asphalt shingles. Located less than a mile from Hamilton Blvd, this home provides quick access to restaurants, grocery stores, and everyday essentials. In the other direction, you’re just minutes from downtown Sioux City, offering entertainment, events, and more. Schedule your showing to explore the potential this home has to offer. Average utilities are $117 a month. Selling As-Is.

Getting Around

71
WalkingVery Walkable
33
TransitSome Transit
47
BikeSomewhat Bikeable

Schools

2/10
Liberty Elementary SchoolGrades PK-51.0 mi
5/10
West Middle SchoolGrades 6-82.0 mi
3/10
West High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1918

Materials

  • Roof: Shingle
  • Construction materials: Aluminum Siding,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Water Softener: None
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,176

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,176
  • Total interior livable area: 1,176 sqft

Property

Details

  • Parcel number: 894729406014
  • Zoning: NC.4
  • Zoning description: NC.4

Features

  • Patio & porch: Porch

Lot

  • Lot size: 2,613 sqft
  • Features: Retaining Wall

Parking

  • Total spaces: 1
  • Parking features: Attached,Tuck-Under,Concrete
  • Has garage: Yes
  • Attached garage spaces: 1

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

  • Tornado
    TornadoVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Tornado
Inland Flooding
Winter Weather
Cold Wave
Hail
Heat Wave
Ice Storm
Strong Wind

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Winter Storm

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 $601$7,212
Home Insurance *$107$1,284
Property Taxes $123$1,476
Electricity $121$1,452
Total$952$11,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,640/yr
40% on housing$28,560/yr
45% on housing$25,386/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$101This listing

vs Other Active Listings

Avg $/sqft

ZIP 51103$115
Woodbury County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 51103$121
Woodbury County$129

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)

Price History

DateEventPrice
2026-05-11Price change$119,000
2026-04-21Price change$126,000
2026-04-02Listed for sale$130,000
2012-08-20Sold$7,300

For Sale by Agent

AgentAspen Coffee
BrokerageCentury 21 ProLink - Le Mars

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