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904 S 5th St, Wapello, IA, 52653

2beds
2baths
1,581sqft
$245,000
$155price/sqft
$2,028/moest. monthly cost
$81,120/yrincome needed

About This Home

Welcome to this well-maintained, two-owner home built in 2014, offering the perfect combination of quality construction, modern comfort, and room to grow. Featuring an attractive brick and vinyl exterior, this home provides lasting curb appeal with low-maintenance living. Inside, you'll find a thoughtfully designed layout that has been meticulously cared for since it was built. The full, unfinished basement offers endless possibilities—whether you're looking for additional storage, a workshop, home gym, or the opportunity to create even more finished living space tailored to your needs. Located in a desirable, established neighborhood, this property offers a welcoming community atmosphere while remaining conveniently close to everyday amenities. Having had only one owner, this home reflects pride of ownership throughout and is truly move-in ready. If you're searching for a newer home with excellent potential in a great location, this is one you won't want to miss!

Getting Around

31
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

4/10
Wapello Elementary SchoolGrades PK-51.0 mi
5/10
4/10

Construction

Condition

  • Year built: 2014

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Carpet,Hardwood

Heating

  • Heating features: Other

Interior Area

  • Total interior livable area: 1,581 sqft

Property

Details

  • Parcel number: 0834263002

Features

  • Exterior features: Other

Lot

  • Lot size: 0.32 Acres

Parking

  • Parking features: Garage - Attached

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
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate

How This Home’s Risks Compare

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

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 $1,238$14,856
Home Insurance *$386$4,632
Property Taxes $283$3,396
Electricity $121$1,452
Total$2,028$24,336
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$69,531/yr
40% on housing$60,840/yr
45% on housing$54,080/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

$155This listing

vs Other Active Listings

Avg $/sqft

ZIP 52653$127
Louisa County$143

vs Homes Sold Last Month

Median $/sqft

ZIP 52653
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)

No zestimate history available

Price History

DateEventPrice
2026-07-28Price change$245,000
2026-07-08Listed for sale$255,000

For Sale by Owner

AgentProperty Owner

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