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404 Eva St, Irwin, IA, 51446

4beds
1baths
1,504sqft
$25,000
$17price/sqft
$286/moest. monthly cost
$11,440/yrincome needed

About This Home

Great investment opportunity with strong potential! This property features updated kitchen cabinets completed in recent years and a functional layout ready for the next owner’s vision. Furnace is approximately 10 years old. The home currently does not have central air conditioning or window units; however, an existing AC unit (approx. 15 years old) is in place and operational and would require ductwork installation. The property has a crawl space foundation, with the addition build/add on, on a slab. Much of the electrical system is older but remains functional and offers an opportunity for future upgrades. Once the roof is replaced, the primary remaining improvements include drywall and electrical updates. Property is being sold as-is and offers excellent potential for investors or buyers looking to build equity. All information obtained from seller and public records.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Irwin Elementary SchoolGrades PK-30.3 mi
8/10
IKM-Manning Middle SchoolGrades PK,4-810.9 mi
8/10
IKM-Manning High SchoolGrades PK,9-1210.9 mi

Construction

Condition

  • Year built: 1905

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Cooling

  • Cooling features: None

Interior Area

  • Total structure area: 1,504
  • Total interior livable area: 1,504 sqft

Property

Details

  • Parcel number: 832100005191
  • Zoning: Resid

Features

  • Stories: 1

Lot

  • Lot size: 8,250 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Garage,One Car Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Hail
    HailVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

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

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 $126$1,512
Home Insurance *$26$312
Property Taxes $13$156
Electricity $121$1,452
Total$286$3,432
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$9,805/yr
40% on housing$8,580/yr
45% on housing$7,626/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: 15.9%
15.9%
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

$17This listing

vs Other Active Listings

Avg $/sqft

ZIP 51446
Shelby County$142

vs Homes Sold Last Month

Median $/sqft

ZIP 51446
Shelby County$78

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
2026-02-25Price change$25,000
2025-08-25Listed for sale$35,000
2000-05-11Sold$11,000

For Sale by Agent

AgentEmina Pajazetovic
BrokerageRE/MAX Precision

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