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121 Clay St, Burlington, IA, 52601

3beds
1baths
1,320sqft
$97,500
$74price/sqft
$857/moest. monthly cost
$34,280/yrincome needed

About This Home

Charming Investment Opportunity! This 3-bedroom, 1-bath ranch-style home offers great potential and is ideally located near downtown Burlington and local parks. Featuring a functional layout and convenient single-level living, this property is perfect for investors or buyers looking to add their personal touch. This conveniently located home is an attractive option for future tenants or homeowners alike. Don’t miss this opportunity to own a well-located property with strong potential!

Getting Around

29
WalkingCar-Dependent
12
TransitMinimal Transit
25
BikeSomewhat Bikeable

Schools

1/10
2/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial,Stone/Rock

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,320 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1609127006

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 60 x 60 x 129

Parking

  • Total spaces: 1
  • Parking features: Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

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

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 $493$5,916
Home Insurance *$108$1,296
Property Taxes $135$1,620
Electricity $121$1,452
Total$857$10,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,382/yr
40% on housing$25,710/yr
45% on housing$22,853/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: 9.1%
9.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -4.8%
-4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$74This listing

vs Other Active Listings

Avg $/sqft

ZIP 52601$87
Des Moines County$94

vs Homes Sold Last Month

Median $/sqft

ZIP 52601$96
Des Moines County$110

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
2026-04-20Listed for sale$99,999
2025-01-25Listing removed$975
2025-01-13Listed for rent$975
2023-11-01Listing removed--
2023-09-30Listed for rent$1,200
2022-07-02Listing removed--
2022-05-15Listed for rent$1,200
2022-05-12Sold$71,000
2022-03-10Pending sale$88,000
2022-02-24Listed for sale$88,000
2016-09-01Sold$40,000
2016-07-27Pending sale$42,900
2016-07-19Listed for sale$42,900

For Sale by Agent

AgentDustina Fenton
BrokerageRuhl & Ruhl, REALTORS

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