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106 Kellie Ct, Epworth, IA, 52045

5beds
2baths
1,700sqft
$295,000
$174price/sqft
$1,990/moest. monthly cost
$79,600/yrincome needed

About This Home

***OPEN HOUSE THIS SUNDAY, AUGUST 23RD 1pm-3pm*** Don't miss this exceptional opportunity to own a beautifully maintained, one-owner home in a desirable, family-friendly neighborhood! Situated on a quiet cul-de-sac within the sought-after Western Dubuque School District, this move-in-ready property offers space, comfort, and convenience. This inviting split-foyer home features 5 bedrooms, 1.5 bathrooms, and a walk-out lower level, providing flexible living space for growing families, entertaining, or a home office. Pride of ownership is evident throughout this smoke-free, pet-free home, which has been meticulously cared for and thoughtfully maintained. Property Highlights: — 5 spacious bedrooms — 1.5 bathrooms — Split-foyer design — Single Stall Garage — Appliances stay with home — New shower in main bathroom — Walk-out lower level — Quiet cul-de-sac location — Family-friendly neighborhood — Close to schools and local amenities — Located in the highly desirable Western Dubuque School District — One-owner, smoke-free, and pet-free home This is a rare opportunity to own a well-cared-for home in an excellent location. Contact us today for additional information.

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
30
BikeSomewhat Bikeable

Schools

8/10
Epworth Elementary SchoolGrades PK-50.6 mi
9/10

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Flooring: Carpet,Hardwood
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Electric
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,700 sqft

Property

Details

  • Parcel number: 1310428005

Features

  • Exterior features: Other

Lot

  • Lot size: 6,900 sqft

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached

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 WaveRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Drought
    DroughtModerate

How This Home’s Risks Compare

Cold Wave
Hail
Strong Wind
Tornado
Winter Weather
Drought

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 $1,491$17,892
Home Insurance *$120$1,440
Property Taxes $253$3,036
Electricity $126$1,521
Total$1,990$23,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,228/yr
40% on housing$59,700/yr
45% on housing$53,066/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.6%
-0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$174This listing

vs Other Active Listings

Avg $/sqft

ZIP 52045$214
Dubuque County$157

vs Homes Sold Last Month

Median $/sqft

ZIP 52045$225
Dubuque 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)

No zestimate history available

Price History

DateEventPrice
2026-08-18Price change$269,900
2026-08-12Price change$274,000
2026-08-03Listed for sale$295,000

For Sale by Owner

AgentProperty Owner

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