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602 Folger St, Duncombe, IA, 50532

3beds
2baths
1,098sqft
$139,900
$127price/sqft
$1,072/moest. monthly cost
$42,880/yrincome needed

About This Home

Charming and full of character, this unique bungalow-style home offers a warm and inviting feel with thoughtful updates throughout. Tall ceilings and abundant natural light create an open, airy atmosphere, while the home’s distinctive layout gives it a personality all its own. The updated kitchen is both stylish and functional, with convenient access to a spacious side deck overlooking the large fenced-in backyard—perfect for entertaining, relaxing, or enjoying summer evenings. The backyard also includes a 10x24 storage shed for tools and lawn equipment, along with a detached 24x26 two-car garage. The primary suite features a beautifully updated ensuite bathroom with double sinks, a jetted tub, and a large walk-in closet. A second full bathroom and main-floor laundry add extra convenience. French doors off the dining area open to a charming front deck, while another door from the living room leads to a wraparound screened-in porch, creating multiple inviting spaces to enjoy both indoors and out. The flexible floor plan includes a bedroom off the kitchen, the primary bedroom on the main floor with a glass-paned barn door entrance, plus an upper-level attic space that has been used as an additional bedroom with a window, closet, and storage area. All appliances stay, including the washer and dryer, making this truly move-in ready. Full of charm, updates, and unique features, this home is one you won’t want to miss!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

8/10
4/10
Webster City High SchoolGrades 9-127.9 mi

Construction

Condition

  • Year built: 1915

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 1,098

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,098 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1204206004

Lot

  • Lot size: 10,018 sqft
  • Lot size dimensions: 100 x 100

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Tornado
    TornadoVery High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Tornado
Drought
Hail
Strong Wind
Winter Weather
Cold Wave

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 $707$8,484
Home Insurance *$77$924
Property Taxes $167$2,004
Electricity $121$1,452
Total$1,072$12,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,754/yr
40% on housing$32,160/yr
45% on housing$28,586/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: 11.4%
11.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.3%
1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$127This listing

vs Other Active Listings

Avg $/sqft

ZIP 50532
Webster County$137

vs Homes Sold Last Month

Median $/sqft

ZIP 50532$207
Webster County$48

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
2026-05-28Listed for sale$139,900

For Sale by Agent

AgentBeth Shanks
BrokerageAbens Realty

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