124 N Cross St, Birmingham, IA, 52535
About This Home
Welcome home to 124 N. Cross Street in Birmingham, Iowa! This well-maintained 2-bedroom, 1 1/2 -bath home offers comfortable living in a convenient small-town setting, located just 15 minutes from both Fairfield and Keosauqua. Featuring many recent updates, this property is move-in ready with newer kitchen cabinets, durable vinyl siding, and a metal roof for long-lasting peace of mind. The home has been very well cared for and provides an excellent opportunity for a first-time homebuyer, downsizing couple, or anyone looking for an affordable home in a great location. Enjoy the convenience of being close to local amenities while still experiencing the charm and quiet atmosphere of Birmingham. Don't miss the opportunity to make this updated and inviting home your own!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1885
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: Crawl Space
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,211 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 000600307153180
Features
- Levels: One and One Half
Lot
- Lot size: 0.38 Acres
- Lot size dimensions: 86 x 86
Parking
- Parking features: Gravel
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Drought
- Hail
- Winter Weather
- Cold Wave
- Landslide
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $838 | $10,056 |
| Home Insurance * | $232 | $2,784 |
| Property Taxes | $120 | $1,440 |
| Electricity | $121 | $1,452 |
| Total | $1,311 | $15,732 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-17 | Price change | $149,900 |
| 2026-06-29 | Listed for sale | $165,900 |
For Sale by Agent
View on Zillow