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124 2nd Ave NW, Titonka, IA, 50480

2beds
2baths
1,164sqft
$84,000
$72price/sqft
$699/moest. monthly cost
$27,960/yrincome needed

About This Home

N/A

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
46
BikeSomewhat Bikeable

Schools

9/10
Algona Middle SchoolGrades 5-814.8 mi
4/10
Algona High SchoolGrades 9-1214.8 mi

Construction

Condition

  • Year built: 1940

Materials

  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Heating & Cooling

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

Interior Area

  • Total interior livable area: 1,164 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 1609180002

Lot

  • Lot size: 8,712 sqft
  • Lot size dimensions: 66 x 132

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

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

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 $424$5,088
Home Insurance *$64$768
Property Taxes $90$1,080
Electricity $121$1,452
Total$699$8,388
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$23,965/yr
40% on housing$20,970/yr
45% on housing$18,640/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: 16.4%
16.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.6%
0.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$72This listing

vs Other Active Listings

Avg $/sqft

ZIP 50480$324
Kossuth County$118

vs Homes Sold Last Month

Median $/sqft

ZIP 50480
Kossuth County$104

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
2026-02-20Listed for sale$89,500
2011-01-25Sold$5,000

For Sale by Agent

AgentHannah Spear
BrokerageMissal Insurance & Realty

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