523 Columbia St, Waterloo, IA, 50703
About This Home
Welcome to this well-priced 2-bedroom, 1-bathroom home offering outstanding potential for both first-time homebuyers and savvy investors. With a garage for secure parking and extra storage, this property checks all the boxes for comfort, function, and value. With this home currenly rented, don't miss your chance to build your rental portfolio.
Getting Around
Somewhat Walkable
Minimal Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1899
Materials
- Roof: Asphalt
- Construction materials: Aluminum Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Block
Bedrooms & Bathrooms
- Bedrooms: 2
- Full bathrooms: 1
Features
- Fireplace features: None
- Finished area below ground: 0
Heating & Cooling
- Heating features: Electric
- Cooling features: None
Interior Area
- Total interior livable area: 981 sqft
Other
- Level: Upper
Other
- Level: Main
Other
- Level: Lower
Property
Details
- Parcel number: 8913232
- Zoning: R-1
- Special condition: Standard
Lot
- Lot size: 6,098 sqft
- Lot size dimensions: 122 x 50
Parking
- Total spaces: 1
- Parking features: 1 Stall
- 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
- Winter Weather
- Hail
- Strong Wind
- Tornado
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 | $302 | $3,624 |
| Home Insurance * | $105 | $1,260 |
| Property Taxes | $77 | $924 |
| Electricity | $121 | $1,452 |
| Total | $605 | $7,260 |
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 |
|---|---|---|
| 2026-02-04 | Listed for sale | $59,900 |
| 2009-01-30 | Sold | $42,000 |
| 2008-12-21 | Listed for sale | $29,900 |
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