808 Clay St, Cedar Falls, IA, 50613
About This Home
MAIN LEVEL LIVING DOWNTOWN WITH TAX ABATEMENT! Absolutely nothing like these New Construction Homes just a few blocks from Historic downtown Cedar Falls! These ranch-style 2 bedroom, 2 bathroom homes are located in a pocket neighborhood and offer great space within walking distance of shops, restaurants, trails, the Cedar River and all that downtown Cedar Falls has to offer! Whether you're interested in downsizing or just need a place to land in town, these cottages are a perfect solution! HOA is $175/mo. Estimated 60% reduction in property taxes for 10 years vs any older houses at the same price. Purchase soon and buyer can pick some custom finishes - Flooring and paint colors.
Getting Around
Very Walkable
Some Transit
Very BikeableSchools
Construction
Condition
- Year built: 2025
Materials
- Roof: Shingle,Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Fireplace features: None
- Finished area below ground: 440
Heating & Cooling
- Heating features: Electric,Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,138 sqft
Other
- Level: Upper
Other
- Level: Main
Other
- Level: Lower
Property
Details
- Parcel number: 891412378017
- Zoning: CDDT
- Special condition: Standard
Lot
- Lot size: 2,178 sqft
- Lot size dimensions: common
Parking
- Total spaces: 1
- Parking features: 1 Stall,Detached Garage
- Covered spaces: 1
- Carport spaces: 1
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
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Hail
- Inland Flooding
- Ice Storm
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 | $1,615 | $19,380 |
| Home Insurance * | $206 | $2,472 |
| Property Taxes | $615 | $7,380 |
| Electricity | $121 | $1,452 |
| Total | $2,557 | $30,684 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Price change | $319,464 |
| 2026-01-28 | Price change | $324,464 |
| 2025-12-03 | Price change | $324,900 |
| 2025-08-30 | Listed for sale | $325,000 |
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