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315 West St, Protivin, IA, 52163

3beds
1baths
1,244sqft
$115,000
$92price/sqft
$961/moest. monthly cost
$38,440/yrincome needed

About This Home

3 bedroom one bath, unfinished basement, upstairs needs new flooring and new drop ceiling. Spacious front living room, deck, extra shed, and a 1.5 space detached heated garage.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

6/10
5/10

Construction

Condition

  • Year built: 1918

Materials

  • Foundation: Concrete
  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Laminate,Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Heat pump,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,244 sqft

Property

Details

  • Parcel number: 280060009010000

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.42 Acres

Parking

  • Total spaces: 1
  • Parking features: Garage - Detached

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

  • Strong Wind
    Strong WindVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Strong Wind
Cold Wave
Drought
Hail
Inland Flooding
Lightning
Tornado
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
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 $581$6,972
Home Insurance *$139$1,668
Property Taxes $120$1,440
Electricity $121$1,452
Total$961$11,532
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$32,948/yr
40% on housing$28,830/yr
45% on housing$25,626/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 3.1%
3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$92This listing

vs Other Active Listings

Avg $/sqft

ZIP 52163$77
Howard County$105

vs Homes Sold Last Month

Median $/sqft

ZIP 52163
Howard County$69

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

DateEventPrice
2026-04-27Listing removed--
2025-12-15Listed for sale$125,000
2015-08-06Sold$38,500

For Sale by Owner

AgentProperty Owner

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