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2820 S Adams Ave, Mason City, IA, 50401

2beds
2baths
990sqft
$78,500
$79price/sqft
$695/moest. monthly cost
$27,800/yrincome needed

About This Home

Ever so Charming....Rock solid two bedroom offering updated kitchen and bath, hardwood floors, freshly painted interior, newer furnace and air, permanent siding, partially finished basement with 3/4 bath, circuit breaker wiring, all appliances including washer and dryer stay, storage shed, and definitely more than enough room to build a garage. For the price....You'll not find another home better than this, so call NOW!

Getting Around

20
WalkingCar-Dependent
17
TransitMinimal Transit
41
BikeSomewhat Bikeable

Schools

5/10
4/10
John Adams Middle SchoolGrades 7-82.6 mi
5/10
Mason City High SchoolGrades 9-122.6 mi

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Poured
  • Construction materials: Frame,Steel Siding,Attic Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Range,Refrigerator,Washer/Dryer

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Separate Shower,Shower,Tub

Bedroom1

  • Area: 108

Bedroom2

  • Area: 81

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: Eat-in Kitchen,LR/DR Combo

Family Room

  • Level: Lower
  • Area: 319

Features

  • Ceiling Fan(s)
  • Window features: Casement
  • Flooring: Vinyl,Wood

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,320
  • Total interior livable area: 990 sqft

Kitchen

  • Area: 105.6

Living Room

  • Area: 181.5

Property

Details

  • Parcel number: 072120802300
  • Zoning description: Z2 - Sub-Urban District

Features

  • Exterior features: Sidewalks

Lot

  • Lot size: 5,260 sqft
  • Features: Alley,Corner Lot
  • Lot size dimensions: 40 x 131.5

Parking

  • Parking features: None,Gravel,No Garage

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hail
    HailModerate

How This Home’s Risks Compare

Tornado
Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Hail

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 $396$4,752
Home Insurance *$86$1,032
Property Taxes $92$1,104
Electricity $121$1,452
Total$695$8,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$23,828/yr
40% on housing$20,850/yr
45% on housing$18,533/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

$79This listing

vs Other Active Listings

Avg $/sqft

ZIP 50401$115
Cerro Gordo County$190

vs Homes Sold Last Month

Median $/sqft

ZIP 50401$97
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
2026-07-31Listed for sale$78,500

For Sale by Agent

AgentJOE CHODUR
BrokerageHoltz Realty

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