811 N Railroad St, Sumner, IA, 50674
About This Home
This affordable 2-bedroom, one-story home offers comfort, charm, and plenty of outdoor space in a desirable community. Situated on a generous 72' x 206' lot, the property provides ample room for outdoor enjoyment, gardening, or future expansion. Inside, you’ll appreciate the home’s character, highlighted by hardwood floors, classic woodwork, and a cozy window bench that adds warmth and personality. The enclosed front porch is the perfect spot to relax with a morning coffee or unwind in the evening. The full basement includes a dedicated laundry area and offers additional storage. Completing the property is a detached 16' x 26' garage, ideal for parking storage or a workshop. This home blends charm, practicality, and value—making it a great opportunity for homeowners or investors alike.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1925
Materials
- Roof: Shingle,Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Gas Water Heater
- Laundry features: Lower Level
Basement
- Has basement: Yes
- Basement: Block,Concrete,Floor Drain,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- 3/4 bathrooms: 1
Features
- Fiber Optic
- Fireplace features: None
- Finished area below ground: 0
Heating & Cooling
- Heating features: Forced Air,Natural Gas
- Cooling features: Central Air
Interior Area
- Total interior livable area: 996 sqft
Other
- Level: Upper
Other
- Level: Main
Other
- Level: Lower
Property
Details
- Parcel number: 0424301006
- Zoning: R-1
- Special condition: Standard
Features
- Patio & porch: Enclosed
- Exterior features: Garden
Lot
- Lot size: 0.34 Acres
- Lot size dimensions: 72' x 106'
Parking
- Total spaces: 1
- Parking features: 1 Stall,Detached Garage
- 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 | $530 | $6,360 |
| Home Insurance * | $152 | $1,824 |
| Property Taxes | $111 | $1,332 |
| Electricity | $121 | $1,452 |
| Total | $914 | $10,968 |
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 |
|---|---|---|
| 2026-08-12 | Listed for sale | $105,000 |
| 2026-08-07 | Pending sale | $105,000 |
| 2026-06-30 | Listed for sale | $105,000 |
| 2015-10-22 | Sold | $60,000 |
| 2009-04-30 | Sold | $40,000 |
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