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904 Cottage Row Rd, Cedar Falls, IA, 50613

3beds
2baths
1,430sqft
$360,000
$252price/sqft
$2,617/moest. monthly cost
$104,680/yrincome needed

About This Home

Set along the river in Cedar Falls, this raised-ranch home offers a rare combination of peaceful scenery, thoughtful updates, and exceptional garage space. Stepping inside reveals an open floor plan designed for comfortable daily living, with several skylights bringing natural light into the main gathering areas and creating a bright, welcoming atmosphere. The 1,430-square-foot interior includes three bedrooms and two bathrooms, along with updates that make the home ready to enjoy from day one. New flooring and fresh paint give the living spaces a clean, cohesive feel, while the renovated bathrooms and new appliances add modern convenience. A gas fireplace anchors the living area, offering a comfortable place to gather on cool evenings while maintaining an easy connection between the kitchen, dining, and relaxation spaces. The bedrooms are arranged across the home to provide flexibility for family, guests, an office, or hobbies. The master bedroom serves as a comfortable retreat, while the additional rooms offer practical space that can adapt as your needs change. Outside, the half-acre lot extends toward the river, creating a setting that feels removed from the everyday while remaining close to Cedar Falls amenities. The deck overlooks the water and offers a natural place for morning coffee, outdoor meals, or quiet evenings watching the landscape change with the seasons. The nearby bike trail is only steps away, and Black Hawk Park is close enough to make walking, biking, fishing, and time outdoors part of your regular routine. Storage, workshop, and parking options are another standout feature. The property includes a detached two-stall garage, an additional one-stall garage, and a complete lower-level garage beneath the home. The under-house garage is insulated and climate controlled, making it especially useful for vehicles, equipment, projects, or year-round workspace. With river frontage, multiple updates, versatile garage facilities, and direct access to some of the area’s best outdoor recreation, this home offers a lifestyle that is both practical and restorative. Experience the setting, the views, and the flexibility this distinctive Cedar Falls property provides.

Getting Around

14
WalkingCar-Dependent
0
TransitNo Nearby Transit
62
BikeBikeable

Schools

3/10
9/10
6/10
Cedar Falls High SchoolGrades 10-122.4 mi

Construction

Condition

  • Year built: 1945

Materials

  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Appliances Negotiable,Dishwasher,Dryer,Free-Standing Range,Refrigerator,Washer,Gas Water Heater,Water Softener Owned
  • Laundry features: 1st Floor,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Concrete,Exterior Entry,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Pantry
  • Door features: Sliding Doors
  • Window features: Skylight(s)
  • Fireplace features: One,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,430 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 891402427023
  • Zoning: R-1
  • Special condition: Standard

Features

  • Patio & porch: Deck
  • Exterior features: Dock,Fishing
  • On waterfront: Yes
  • Waterfront features: River Front,Waterfront

Lot

  • Lot size: 0.48 Acres
  • Features: Landscaped
  • Lot size dimensions: 134x180x100x180

Parking

  • Total spaces: 3
  • Parking features: RV Access/Parking,3 or More Stalls,Attached Garage,Detached Garage,Garage Door Opener,Heated Garage,Oversized,Workshop in Garage
  • Covered spaces: 3
  • Carport 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

  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Drought
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding

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 $1,820$21,840
Home Insurance *$232$2,784
Property Taxes $444$5,328
Electricity $121$1,452
Total$2,617$31,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,725/yr
40% on housing$78,510/yr
45% on housing$69,786/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

$252This listing

vs Other Active Listings

Avg $/sqft

ZIP 50613$180
Black Hawk County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 50613$143
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
2026-08-04Listed for sale$360,000
2021-04-30Sold$220,000
2021-03-15Pending sale$224,500
2021-03-04Listed for sale$224,500
2021-03-03Listing removed--
2020-10-29Listed for sale$225,000
2020-03-30Listing removed$237,500
2020-03-04Listed for sale$237,500
2019-11-16Listing removed$249,900
2019-08-15Price change$249,900
2019-06-08Price change$264,900
2019-01-07Price change$274,900
2018-11-01Listed for sale$289,900

For Sale by Agent

AgentZeb Nicholson
BrokerageRe/Max Concepts

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