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2021 Washington St, Elk Horn, IA, 51531

3beds
1baths
1,656sqft
$138,500
$84price/sqft
$1,106/moest. monthly cost
$44,240/yrincome needed

About This Home

If you're looking for a solid home that's been well maintained then look no further! This home has a steel roof, vinyl siding, updated windows, a large deck that's handicapped accessible, new furnace and central air in 2014, and a beautiful addition in 2011 that added a pantry, large full bathroom with main floor laundry, extra closets, and an additional second floor bedroom. If you love character you'll appreciate the beautiful woodwork, pocket French doors, and gorgeous wood floors hidden under the carpets. Enjoy main floor living without the extra steps but have peace of mind with two extra bedrooms on the second level, an extra bathroom in the basement and a great bonus room that could be extra bedrooms or a family/hobby room. Outside is a brand new garden/storage shed for all your outside tools and equipment. Choose the large deck, patio, or covered front porch to enjoy those sunny days. The location can't be beat with a short walk to the library, businesses, restaurants, and all Elk Horn has to offer. Take a look at this affordable home today!

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Metal
  • Construction materials: Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood,Carpet,Linoleum
  • Finished area above ground: 1,656

Heating & Cooling

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

Interior Area

  • Total structure area: 2,436
  • Total interior livable area: 1,656 sqft

Kitchen

  • Features: Separate,Laminate Counters

Property

Accessibility

  • Accessibility features: Handicap

Details

  • Parcel number: 833016000051
  • Lease amount: 0

Features

  • Stories: 2
  • Patio & porch: Patio,Covered Porch,Deck
  • Has view: Yes
  • View description: Street
  • Frontage length: 0

Lot

  • Lot size: 0.26 Acres

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 $700$8,400
Home Insurance *$144$1,728
Property Taxes $139$1,668
Electricity $123$1,482
Total$1,106$13,272
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$37,920/yr
40% on housing$33,180/yr
45% on housing$29,493/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

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 51531
Shelby County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 51531
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)

Price History

DateEventPrice
2026-05-20Listed for sale$138,500

For Sale by Agent

AgentKathryn Kilworth
BrokerageWayne Hansen Real Estate Llc

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