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915 W 5th St, Waterloo, IA, 50702

4beds
2baths
1,778sqft
$65,000
$37price/sqft
$628/moest. monthly cost
$25,120/yrincome needed

About This Home

Great investment property to add to your portfolio or a fun fix and flip. Motivated seller. Property being sold AS IS seller to make no repairs.

Getting Around

77
WalkingVery Walkable
28
TransitSome Transit
72
BikeVery Bikeable

Schools

2/10
Irving Elementary SchoolGrades K-50.2 mi
1/10
Central Middle SchoolGrades 6-82.7 mi
3/10
West High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1911

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily
  • Property subType: Duplex

Interior

Appliances

  • Laundry features: None

Basement

  • Has basement: Yes
  • Basement: Block

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Finished area below ground: 230
  • Finished area above ground: 852

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Electric

Interior Area

  • Total structure area: 1,778
  • Total interior livable area: 1,778 sqft

Property

Details

  • Parcel number: 891326408015
  • Zoning: R-M
  • Special condition: Standard

Features

  • Levels: Two

Lot

  • Lot size: 4,200 sqft
  • Lot size dimensions: 30x140

Parking

  • Total spaces: 2
  • Parking features: On Street,None
  • Has uncovered spaces: Yes
  • Uncovered spaces: 2

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 WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Winter Weather
Cold Wave
Hail
Tornado

FEMA Declared Disasters Across Iowa Counties

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 $328$3,936
Home Insurance *$55$660
Property Taxes $113$1,356
Electricity $132$1,591
Total$628$7,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$21,531/yr
40% on housing$18,840/yr
45% on housing$16,746/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: 13.2%
13.2%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$37This listing

vs Other Active Listings

Avg $/sqft

ZIP 50702$130
Black Hawk County$138

vs Homes Sold Last Month

Median $/sqft

ZIP 50702$112
Black Hawk County$123

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
2026-01-07Price change$65,000
2025-11-13Price change$69,000
2025-10-18Listed for sale$75,000
2025-10-18Listing removed$75,000
2025-10-03Listed for sale$75,000
2025-02-27Listing removed$70,000
2025-01-26Pending sale$70,000
2025-01-17Price change$70,000
2024-11-13Price change$78,000
2024-07-22Listed for sale$85,000
2023-05-31Sold$56,000
2023-04-15Pending sale$79,900
2023-02-11Listed for sale$79,900
2022-06-13Sold$53,000
2019-06-07Listing removed$650
2019-06-03Price change$650
2019-04-30Price change$495
2019-03-21Listed for rent$525
2018-12-20Listing removed$500
2018-12-19Listed for rent$500
2018-10-23Listing removed$615
2018-09-17Price change$615
2018-07-25Price change$625
2018-02-16Listed for rent$650
2015-11-10Listing removed$550
2015-10-29Listed for rent$550
2012-07-13Listing removed$525
2011-01-06Sold$48,000

For Sale by Agent

AgentKelly Jo Fretto
BrokeragePinnacle Realty

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