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510 Kruger St, Ottumwa, IA, 52501

2beds
1baths
736sqft
$115,000
$156price/sqft
$1,034/moest. monthly cost
$41,360/yrincome needed

About This Home

Move-in ready and beautifully updated! This charming Ottumwa home has been refreshed from top to bottom and is ready for its new owners. You will love the brand-new, high-end kitchen and the fully remodeled bathroom that you're sure to fall in love with. For added convenience, the laundry is located right on the main floor. With new flooring throughout and a clean, modern feel, all the hard work is already done. Come see this simple, stylish home for yourself!

Getting Around

59
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
Wilson Elementary SchoolGrades K-50.4 mi
2/10
Evans Middle SchoolGrades 6-82.1 mi
4/10
Ottumwa High SchoolGrades 9-1211.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Poured
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Dining Area

Heating & Cooling

  • Heating features: Forced Air,Gas,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 736
  • Total interior livable area: 736 sqft

Property

Details

  • Parcel number: 007410310021000
  • Zoning: R

Features

  • Stories: 1
  • Patio & porch: Covered,Patio
  • Exterior features: Patio

Lot

  • Lot size: 4,356 sqft
  • Features: Rectangular Lot

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

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Hail
Heat Wave
Lightning
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 $581$6,972
Home Insurance *$146$1,752
Property Taxes $186$2,232
Electricity $121$1,452
Total$1,034$12,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,451/yr
40% on housing$31,020/yr
45% on housing$27,573/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$156This listing

vs Other Active Listings

Avg $/sqft

ZIP 52501$107
Wapello County$111

vs Homes Sold Last Month

Median $/sqft

ZIP 52501$103
Wapello County$92

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
2026-05-06Listed for sale$125,000
2026-05-05Listing removed$134,900
2026-03-27Listed for sale$134,900
2026-01-30Sold$45,000
2026-01-15Pending sale$55,000
2026-01-02Price change$55,000
2025-11-24Listed for sale$65,000
2020-01-23Sold$15,000
2020-01-02Pending sale$22,000
2019-11-21Listed for sale$22,000
2019-09-04Listing removed$22,000
2019-08-21Listed for sale$22,000

For Sale by Agent

AgentMaria Rocha
BrokerageLPT Realty, LLC

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