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732 N Elm St, Cresco, IA, 52136

4beds
3baths
3,219sqft
$310,000
$96price/sqft
$2,532/moest. monthly cost
$101,280/yrincome needed

About This Home

Here is your chance to own a beautiful home on North Elm Street. This 3 story stucco home is filled with history, charm, detail, and beauty! Main floor features an eat-in kitchen with ample cupboard space, original hardwood flooring, and all appliances to stay. The formal dining room features gorgeous woodwork and a built in hutch. Cozy den/library with built-in book shelves and a wood burning fireplace. The large living room is perfect for entertaining and has maple hardwood flooring and lots of windows to allow for natural lighting. You will love the sunroom on the front of the house which is a perfect spot to relax with a great book. 1/2 bathroom and additional sitting area on the main level. Walk up your beautiful staircase to the 2nd level and you will find 3 good sized bedrooms, 3/4 bathroom, and a full bathroom. The primary bedroom has a sitting area, 2 closets with built-ins drawers, and an office space. Extra bonus is that there is a roof deck with a hot tub! The 3rd level has a bonus/rec room, a good sized bedroom, and lots of storage areas. Full unfinished basement has the laundry, plenty of space for storage, and is currently being used for wood working. Detached 2-3 stall garage. Enjoy your evenings grilling out on your built-in gas grill on the covered porch right off your kitchen! Large fenced in yard with plenty of space for gardening and entertaining. The space in this home is endless and full of personality! This grand home is one of a kind and is ready to be loved by new owners. This is a must see to appreciate! Call today to set up your private viewing!

Getting Around

53
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

5/10
7/10
Crestwood High SchoolGrades 7-120.8 mi

Construction

Condition

  • Year built: 1911

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,MicroHood,Microwave Built In,Free-Standing Range,Refrigerator,Gas Water Heater,Water Softener,Water Softener Owned
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Interior Entry,Floor Drain,Stone/Rock,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Crown Molding,Rear Stairs
  • Door features: French Doors
  • Flooring: Hardwood
  • Fireplace features: One,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Steam
  • Cooling features: Ceiling Fan(s),Wall Unit(s),Window Unit(s)

Interior Area

  • Total interior livable area: 3,219 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 320261007010000
  • Zoning: R-2
  • Special condition: Standard

Features

  • Patio & porch: Covered
  • Exterior features: Garden,Gas Grill
  • Has spa: Yes
  • Spa features: Hot Tub
  • Fencing: Fenced

Lot

  • Lot size: 0.44 Acres
  • Features: Landscaped,Level
  • Lot size dimensions: 100 x 190

Parking

  • Total spaces: 3
  • Parking features: 3 or More Stalls,Detached Garage,Garage Door Opener
  • Covered spaces: 3
  • Carport spaces: 3

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail

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 $1,567$18,804
Home Insurance *$363$4,356
Property Taxes $362$4,344
Electricity $240$2,881
Total$2,532$30,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$86,811/yr
40% on housing$75,960/yr
45% on housing$67,520/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

$96This listing

vs Other Active Listings

Avg $/sqft

ZIP 52136$114
Howard County$103

vs Homes Sold Last Month

Median $/sqft

ZIP 52136
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
2025-05-29Price change$320,000
2025-05-05Listed for sale$350,000

For Sale by Agent

AgentHeidi Rice
BrokerageCountry Life Real Estate, Inc

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