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440 2nd St NW, Fort Dodge, IA, 50501

2beds
2baths
944sqft
$116,400
$123price/sqft
$1,046/moest. monthly cost
$41,840/yrincome needed

About This Home

Completely renovated 2-bedroom, 1-bath home featuring an open-concept floor plan and modern finishes throughout. Updates include the kitchen, bathroom, flooring, paint, fixtures, and more. All new plumbing and all new electrical up to code as of 2025. Enjoy a spacious, fully fenced backyard perfect for pets, kids, or entertaining. Move-in ready with nothing left to do but unpack!

Getting Around

12
WalkingCar-Dependent
17
TransitMinimal Transit
23
BikeSomewhat Bikeable

Schools

5/10
3/10
Fort Dodge Middle SchoolGrades 6-82.6 mi
3/10
Fort Dodge High SchoolGrades 9-122.0 mi

Construction

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Level: Main

Bedroom1

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Newer Flooring,Open Floorplan,Updated Bath,Updated Kitchen
  • Fireplace features: None

Heating & Cooling

  • Heating features: Other
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 944
  • Total interior livable area: 944 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Property

Details

  • Parcel number: 0718353013

Features

  • Patio & porch: Open
  • Fencing: Fenced Yard

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 75 x 120

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
    TornadoRelatively High
  • Hail
    HailModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Hail
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 $588$7,056
Home Insurance *$260$3,120
Property Taxes $77$924
Electricity $121$1,452
Total$1,046$12,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,862/yr
40% on housing$31,380/yr
45% on housing$27,893/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$123This listing

vs Other Active Listings

Avg $/sqft

ZIP 50501$125
Webster County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 50501$57
Webster County$48

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
2026-07-28Price change$116,400
2026-07-09Listed for sale$120,000
2022-08-11Listing removed--
2022-08-10Price change$11,000
2022-07-27Listed for sale$13,900
2016-06-24Sold$6,000

For Sale by Agent

AgentJohn Hanson
BrokerageColdwell Banker Associated Realtors

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