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410 4th St, Portsmouth, IA, 51565

2beds
1baths
907sqft
$115,000
$127price/sqft
$935/moest. monthly cost
$37,400/yrincome needed

About This Home

Welcome to small-town living in this cozy, one-story home in Portsmouth. Walk in from the front porch to a living room space with possible dining room area, or enter the kitchen and eat in there. Two bedrooms and one bathroom are situated on the main floor. There are steps to an unfinished attic which could be turned into additional rooms. This home has been well-cared for and looked over as the rectory for the church with newer windows and a newer furnace (2015) and air conditioner (2015). The roof was very recently done April 2026. For any tennis lovers, there's a tennis court right next door. Come see this cozy home, ready for growth for beginners or for comfortable living for those looking to downsize.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

8/10
5/10

Construction

Condition

  • Year built: 1915

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: See Remarks
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • 3/4 bathrooms: 1

Heating & Cooling

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

Interior Area

  • Total interior livable area: 907 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 832702000041

Lot

  • Lot size: 9,147 sqft
  • Lot size dimensions: 62 x 150

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

  • Cold Wave
    Cold WaveVery High
  • Hail
    HailVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery 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

Cold Wave
Hail
Strong Wind
Tornado
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 $581$6,972
Home Insurance *$119$1,428
Property Taxes $114$1,368
Electricity $121$1,452
Total$935$11,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,057/yr
40% on housing$28,050/yr
45% on housing$24,933/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

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 51565
Shelby County$139

vs Homes Sold Last Month

Median $/sqft

ZIP 51565
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
2026-05-01Listed for sale$130,000

For Sale by Agent

AgentErin Goddard
BrokerageOuren Real Estate

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