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1105 State Highway 38, Tipton, IA, 52772

4beds
3baths
1,820sqft
$315,000
$173price/sqft
$2,240/moest. monthly cost
$89,600/yrincome needed

About This Home

Don't miss this rare opportunity to own a beautifully updated home on 1.29 acres of peaceful Iowa countryside—just off a hard surface road and only minutes from town. This move-in ready gem offers the best of both worlds: small-town convenience with the quiet serenity of rural living. Thoughtfully relocated and placed on a brand-new foundation, this spacious 2-story home has been tastefully updated while preserving its charm. The main level boasts an open, functional layout with a refreshed kitchen, dining area, and cozy family room—perfect for everyday living and entertaining. Just off the living space, you’ll find a versatile office or playroom, a full bath, and convenient main-floor laundry. Upstairs, four generously sized bedrooms and a second full bathroom offer plenty of room for family, guests, or a growing household. Step outside and fall in love with the wide-open space, mature trees, and breathtaking Iowa sunsets. There’s ample room for a hobby farm, outdoor adventures, or even the opportunity to build an additional home or shop. Need storage? The 26x48 outbuilding has you covered—ideal for all your tools, toys, and equipment.

Getting Around

47
WalkingCar-Dependent
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
Tipton Elementary SchoolGrades PK-40.7 mi
7/10
Tipton Middle SchoolGrades 5-80.8 mi
5/10
Tipton High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Frame,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Gas Water Heater,Microwave,Range,Refrigerator,Range Hood,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

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

Features

  • Dining Area,Separate/Formal Dining Room,Kitchen/Dining Combo,Upper Level Primary
  • Finished area below ground: 0
  • Finished area above ground: 1,820

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,820 sqft

Other

  • Level: Second

Property

Details

  • Parcel number: 004007311010020

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio

Lot

  • Lot size: 1.29 Acres
  • Lot size dimensions: 0

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    Strong WindVery High
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Hail
Tornado
Winter Weather
Cold Wave
Drought
Heat Wave
Ice Storm
Lightning

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 $1,592$19,104
Home Insurance *$230$2,760
Property Taxes $283$3,396
Electricity $135$1,629
Total$2,240$26,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$76,800/yr
40% on housing$67,200/yr
45% on housing$59,733/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: 13.5%
13.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$173This listing

vs Other Active Listings

Avg $/sqft

ZIP 52772$188
Cedar County$206

vs Homes Sold Last Month

Median $/sqft

ZIP 52772
Cedar County$129

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
2026-05-05Price change$315,000
2026-04-14Price change$379,000
2026-03-26Listed for sale$389,000
2025-12-19Listing removed$389,000
2025-06-18Listed for sale$389,000

For Sale by Agent

AgentSteven Hankemeier
BrokerageRE/MAX CONCEPTS

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