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3704 Whispering Ln, Keokuk, IA, 52632

3beds
3baths
2,140sqft
$74,500
$35price/sqft
$726/moest. monthly cost
$29,040/yrincome needed

About This Home

PRICE REDUCTION: Location is the selling point of this property. A total renovation needed but great investment as the location is in upper end homes area and on outskirts of town so country feel. House has good square footage with nice yard. 3 bedrooms, 2 and 1/2 baths, family room, nice sized dining room and living room. Kitchen is big and could easily have a huge island when renovating. There are lots of cabinets and counters so plenty of space to pick your own style. House is large, has good sized rooms, good square footage but needs a lot of TLC. Good property to invest money and time to create your dream home. New sump pump being installed. From this location you can head out bypass to Ft. Madison or Burlington for shopping or dining out or head into Keokuk for the same.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

4/10
4/10
Keokuk Middle SchoolGrades 6-84.0 mi
4/10
Keokuk High SchoolGrades 9-123.9 mi

Construction

Condition

  • Year built: 1979

Materials

  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Wood

Bedroom2

  • Level: Main

Bedroom3

  • Level: Main

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Family Room

  • Level: Main

Features

  • Trim: Mixed
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,140
  • Common walls with other units/homes: 0

Heating & Cooling

  • Heating features: Boiler
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,140 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Other

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 041521201280010
  • Zoning: Residential-Single Family

Lot

  • Lot size: 0.56 Acres
  • Features: Corner Lot,Wooded
  • Lot size dimensions: Property is 24,394 sq. ft. which equates to around 3.5 lots

Parking

  • Total spaces: 2
  • Parking features: Attached,Gravel,Concrete
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

Flood
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 $376$4,512
Home Insurance *$123$1,476
Property Taxes $68$816
Electricity $159$1,915
Total$726$8,712
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,891/yr
40% on housing$21,780/yr
45% on housing$19,360/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: 13.4%
13.4%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$35This listing

vs Other Active Listings

Avg $/sqft

ZIP 52632$56
Lee County$77

vs Homes Sold Last Month

Median $/sqft

ZIP 52632$72
Lee County$83

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
2026-05-02Price change$74,500
2026-04-03Listed for sale$84,500
2026-03-20Listing removed$94,500
2026-02-01Price change$94,500
2026-01-05Listed for sale$100,000
2012-11-09Sold$7,500

For Sale by Agent

AgentRebecca K Sowers
BrokerageThe People's Real Estate

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