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811 S 5th St, Fairfield, IA, 52556

3beds
1baths
1,068sqft
$109,000
$102price/sqft
$921/moest. monthly cost
$36,840/yrincome needed

About This Home

This adorable three bedroom, one bath starter home sits on a spacious corner lot and is bursting with affordability and coziness. The main floor features a bright living room, three bedrooms, and a large kitchen with an adjoining dining area.  Enjoy the  bathroom built-ins, some new lighting, and a move-in-ready feel.  Looking for extra space? You will enjoy the family room off the back, which includes an adjacent small room ideal for a home office, hobby space, or walk-in storage. Outside, enjoy a fenced deck, a backyard fire pit, and a handy storage shed.  Note: Property is being sold as is. Don't miss this chance to own your first home, downsize, or run a short/mid-term rental in a great location!

Getting Around

45
WalkingCar-Dependent
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

4/10
Pence Elementary SchoolGrades 2-40.2 mi
6/10
Fairfield Middle SchoolGrades 5-80.4 mi
3/10
Fairfield High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Wood,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Range Or Oven,Refrigerator
  • Laundry features: In Basement

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Other,Primary On Main Level
  • Flooring: Wood,Vinyl
  • Fireplace features: Wood Burning Stove
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,068

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,068
  • Total interior livable area: 1,068 sqft

Property

Details

  • Parcel number: 0635237006
  • Zoning: Residential
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck

Lot

  • Lot size: 6,534 sqft
  • Features: Less Than Half Acre,Corner Lot,Level
  • Lot size dimensions: 50 x 132

Parking

  • Parking features: On Street

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

  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Heat Wave
Lightning
Hail
Strong Wind
Tornado
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Tornado
Winter Storm

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 $551$6,612
Home Insurance *$103$1,236
Property Taxes $146$1,752
Electricity $121$1,452
Total$921$11,052
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,577/yr
40% on housing$27,630/yr
45% on housing$24,560/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -6.5%
-6.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$102This listing

vs Other Active Listings

Avg $/sqft

ZIP 52556$117
Jefferson County$116

vs Homes Sold Last Month

Median $/sqft

ZIP 52556$120
Jefferson County$85

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
2026-05-06Price change$115,000
2026-03-11Listed for sale$119,000
2022-02-25Listing removed--
2021-11-27Pending sale$115,000
2021-11-04Price change$115,000
2021-10-29Listed for sale$122,500
2016-11-09Sold$35,000
2007-08-13Sold$55,000

For Sale by Agent

AgentJulie Dancer
BrokerageLepic-Kroeger, REALTORS

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