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514 5th St, Whittemore, IA, 50598

4beds
1baths
1,376sqft
$124,000
$90price/sqft
$968/moest. monthly cost
$38,720/yrincome needed

About This Home

Very nice 4 bedroom home near downtown area. Main level has 1 bedroom with full bathroom, kitchen with appliances, dining room leading into very spacious very open living room. 3 bedrooms on second level. An attached garage leading into breezeway. Second garage/ workshop and small storage shed in back. Leafguard gutters were recently added along with new water softener.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

--
Bryant Elementary SchoolGrades 1-29.5 mi
9/10
Algona Middle SchoolGrades 5-810.2 mi
4/10
Algona High SchoolGrades 9-1210.2 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Range,Cooktop,Refrigerator,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Full,Block,Unfinished

Bedroom2

  • Level: Upper

Bedroom3

  • Level: Upper

Bedroom4

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Flooring: Carpet

Heating & Cooling

  • Heating features: Forced Air,Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 1,376 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 2107284010

Features

  • Levels: Two
  • Fencing: None

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 66 x 132

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete
  • 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

  • Cold Wave
    Cold WaveVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $627$7,524
Home Insurance *$94$1,128
Property Taxes $126$1,512
Electricity $121$1,452
Total$968$11,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$33,188/yr
40% on housing$29,040/yr
45% on housing$25,813/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: 16.4%
16.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 50598$31
Kossuth County$117

vs Homes Sold Last Month

Median $/sqft

ZIP 50598
Kossuth County$104

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
2025-10-21Price change$124,000
2025-06-19Price change$126,000
2025-04-29Listed for sale$127,000
2024-11-08Listing removed$127,000
2024-10-18Price change$128,000
2024-09-27Listed for sale$128,500
2023-01-31Sold$84,500
2022-12-28Pending sale$95,000
2022-09-26Price change$95,000
2022-09-09Listed for sale$110,000

For Sale by Agent

AgentTammy Schealler
BrokerageWeichert, REALTORS-The 515 Agency

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