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1308 Concord St, Fredonia, IA, 52738

2beds
1baths
1,092sqft
$106,000
$97price/sqft
$923/moest. monthly cost
$36,920/yrincome needed

About This Home

This charming, character-filled 2-bed, 1-bath home sits on an expanded double lot, offering a peaceful setting close to family and town amenities. Storage is abundant with both a detached two-car garage and an additional one-car garage, perfect for vehicles, workshops, or hobbies. The massive backyard provides endless space for gardening, gatherings, or future growth. Designed for buyers seeking true pride of ownership, it offers immediate comfort alongside a prime opportunity to build equity and invest in your future. Secure a spacious home, garages, and land that is completely yours! Seller is related to Listing Agent.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

4/10
Roundy Elementary SchoolGrades PK-62.2 mi
5/10

Construction

Condition

  • Year built: 1952

Materials

  • Construction materials: Unknown

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater,Dishwasher
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,092

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 1,092
  • Total interior livable area: 1,092 sqft

Property

Details

  • Parcel number: 0320263006 & 0320263008
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One

Lot

  • Lot size: 0.41 Acres
  • Lot size dimensions: 148.5x132

Parking

  • Total spaces: 3
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 3

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

  • Strong Wind
    Strong WindVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

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 $535$6,420
Home Insurance *$178$2,136
Property Taxes $89$1,068
Electricity $121$1,452
Total$923$11,076
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,645/yr
40% on housing$27,690/yr
45% on housing$24,613/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: 13.3%
13.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$97This listing

vs Other Active Listings

Avg $/sqft

ZIP 52738$125
Louisa County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 52738
Louisa County$100

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
2026-07-28Listed for sale$106,000
2018-04-03Sold$47,500
2018-02-07Price change$47,025
2017-12-20Listed for sale$49,500
2017-05-26Listing removed$60,000
2016-11-29Listed for sale$60,000
2016-09-17Listing removed$75,000
2016-03-31Listed for sale$75,000
2012-05-31Sold$70,000

For Sale by Agent

AgentKENNY HORA
BrokerageRUHL & RUHL REALTORS

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