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1103 Scott St, Ruthven, IA, 51358

4beds
2baths
1,860sqft
$149,900
$81price/sqft
$1,277/moest. monthly cost
$51,080/yrincome needed

About This Home

Beautiful solid brick duplex in Ruthven! Each unit Offers 2 bedrooms 1 bath and your own laundry area. Baths, roof and mechanicals have all been updated in the past with little or no work to be done. If you're looking to start investing or want to ad to your portfolio don't let this gem slip away.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10

Construction

Condition

  • Year built: 1963

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Frame/Wood

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Appliances included: Gas Water Heater
  • Laundry features: Unit 1 Washer/Dryer Hkup,Unit 2 Washer/Dryer Hkup,Main Level

Basement

  • Has basement: Yes
  • Basement: None,Block,Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Main Floor Bedrooms
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 1,860
  • Common walls with other units/homes: 1 Common Wall

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Unit 1(Central),Unit 2(Central)

Interior Area

  • Total structure area: 1,860
  • Total interior livable area: 1,860 sqft

Property

Details

  • Parcel number: 680006001030
  • Attached to another structure: Yes

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 55 x 132 38 x 99

Parking

  • Total spaces: 2
  • Parking features: Detached,Unit 1 Garage Door Opener,Unit 2 Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Cold Wave
Drought
Hail
Lightning
Winter Weather
Strong Wind
Tornado

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $757$9,084
Home Insurance *$213$2,556
Property Taxes $169$2,028
Electricity $138$1,664
Total$1,277$15,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,782/yr
40% on housing$38,310/yr
45% on housing$34,053/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: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$81This listing

vs Other Active Listings

Avg $/sqft

ZIP 51358$183
Palo Alto County$102

vs Homes Sold Last Month

Median $/sqft

ZIP 51358
Palo Alto County$81

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
2025-08-08Listed for sale$149,900
2000-08-28Sold$53,000

For Sale by Agent

AgentBen Sexton
BrokerageSexton Real Estate

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