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1000 1st Ave S, Clear Lake, IA, 50428

4beds
2baths
1,334sqft
$171,900
$129price/sqft
$1,279/moest. monthly cost
$51,160/yrincome needed

About This Home

A Diamond in the Rough. Just a stone's throw from Downtown, Parks, Splash Pad, Beach & Shopping. A great opportunity for VRBO or weekend getaway. With your hard work, vacation living is affordable. Corner lot - just off the parade route. Call your trusted agent today and make an offer.

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
56
BikeBikeable

Schools

9/10
6/10
Clear Lake Middle SchoolGrades 6-80.4 mi
8/10
Clear Lake High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1930

Materials

  • Construction materials: Slate

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,334 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 061815300800

Features

  • Levels: One and One Half

Lot

  • Lot size: 3,286 sqft
  • Lot size dimensions: 53 x 62

Parking

  • Parking features: Gravel

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
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Cold Wave
Strong Wind
Drought
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 $869$10,428
Home Insurance *$115$1,380
Property Taxes $174$2,088
Electricity $121$1,452
Total$1,279$15,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$43,851/yr
40% on housing$38,370/yr
45% on housing$34,106/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$129This listing

vs Other Active Listings

Avg $/sqft

ZIP 50428$246
Cerro Gordo County$189

vs Homes Sold Last Month

Median $/sqft

ZIP 50428$195
Cerro Gordo County$97

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
2026-05-27Price change$171,900
2026-03-21Listed for sale$228,000
2026-02-10Listing removed$274,170
2025-06-07Listed for sale$274,170
2019-06-15Listing removed$104,000
2019-01-15Price change$104,000
2018-12-14Listed for sale$109,000
2015-12-04Sold$65,000
2015-09-02Price change$72,000
2015-06-18Price change$79,000
2015-05-30Listed for sale$85,000

For Sale by Agent

AgentTanya S Kirschbaum-Conley
BrokerageLakeside Brokers

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