See other homes in:

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 Bikeable

Schools

6/10

Van Buren Community Elementary SchoolGrades PK-68.2 mi

5/10

Van Buren Community High SchoolGrades 7-1210.4 mi

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 WaveVery High
Inland FloodingVery High
LightningVery High
Strong WindVery High
TornadoVery High
DroughtRelatively High
HailRelatively High
Winter WeatherRelatively High
Cold WaveModerate
LandslideModerate

How This Home’s Risks Compare

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

	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

*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

30% on housingRecommended$52,440/yr

35% on housing$44,948/yr

40% on housing$39,330/yr

45% on housing$34,960/yr

Iowa FAIR Plan Programs

Iowa FAIR Plan Association

Covered

Wildfire

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: 5.0%

5.0%

0%30.0%

Electricity Growth Rate10-year average: 1.9%

1.9%

0%15.0%

Property Taxes Growth Rate2-year average: -7.9%

-7.9%

0%15.0%

Income Spent on Housing

30%

30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 52535—

Van Buren County$130

vs Homes Sold Last Month

Median $/sqft