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210 1st St SW, Mason City, IA, 50401

2beds
1baths
1,248sqft
$95,000
$76price/sqft
$816/moest. monthly cost
$32,640/yrincome needed

About This Home

Great investment opportunity or affordable place to call HOME! This well-maintained 2-story offers spacious room sizes and a floor plan full of character. The main floor features a welcoming foyer with open staircase, comfortable living room, formal dining area, kitchen, and a fully enclosed front porch filled with natural light. Upstairs you’ll find 2 bedrooms and a large full bath, including an oversized primary bedroom with a bonus flex space perfect for a home office, nursery, sitting area, or extra storage. Vinyl replacement windows, vinyl siding, and metal-covered soffits add to the low-maintenance appeal. A solid property that has served as a quality long-term investment for many years!

Getting Around

79
WalkingVery Walkable
30
TransitSome Transit
94
BikeBiker's Paradise

Schools

5/10
4/10
John Adams Middle SchoolGrades 7-81.8 mi
5/10
Mason City High SchoolGrades 9-121.9 mi

Construction

Condition

  • Year built: 1920

Materials

  • Foundation: Stone
  • Roof: Asphalt
  • Construction materials: Frame,Vinyl Siding,Attic Insulation,Sidewall Insulation

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator,Washer/Dryer

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Shower,Tub

Bedroom1

  • Level: Upper
  • Area: 130

Bedroom2

  • Level: Upper
  • Area: 120

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1

Dining Room

  • Features: Formal Dining
  • Level: Main

Features

  • Built-in Features,Natural Wood,Open Staircase
  • Window features: Double Hung,Thermal,Wood Sash
  • Flooring: Carpet

Heating & Cooling

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

Interior Area

  • Total structure area: 1,872
  • Total interior livable area: 1,248 sqft

Kitchen

  • Level: Main
  • Area: 144

Living Room

  • Level: Main
  • Area: 196

Property

Details

  • Parcel number: 070927601100
  • Zoning description: RG/GENERAL RES

Features

  • Levels: Two
  • Exterior features: Sidewalks

Lot

  • Lot size: 2,904 sqft
  • Lot size dimensions: 44 x 66

Parking

  • Parking features: None,No Driveway,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 $480$5,760
Home Insurance *$104$1,248
Property Taxes $111$1,332
Electricity $121$1,452
Total$816$9,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$27,977/yr
40% on housing$24,480/yr
45% on housing$21,760/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

$76This listing

vs Other Active Listings

Avg $/sqft

ZIP 50401$114
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
2026-05-29Listed for sale$95,000
2026-05-02Listing removed$99,500
2025-07-15Price change$99,500
2025-05-06Listed for sale$110,000

For Sale by Agent

AgentJANE FISCHER
BrokerageJane Fischer & Associates Llc

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