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4890 455th Ave, Mallard, IA, 50562

2beds
1baths
713sqft
$60,000
$84price/sqft
$569/moest. monthly cost
$22,760/yrincome needed

About This Home

Very nice private area. Smaller home but a very large lot on the edge of town. Move in ready.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Mallard Elementary SchoolGrades PK-412.2 mi
4/10
6/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Slate

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

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

Heating & Cooling

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

Interior Area

  • Total interior livable area: 713 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Other

  • Level: Main

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 640003010040

Lot

  • Lot size dimensions: Lot Dimensions are 125.00 x 219.00 Lot area 0.63 acres 27.372 sq ft

Parking

  • Total spaces: 1
  • Parking features: Attached,Carport,Gravel
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Carport: Yes

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 WaveVery High
  • Hail
    HailVery High
  • Lightning
    LightningVery High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Cold Wave
Hail
Lightning
Drought
Strong Wind
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 $303$3,636
Home Insurance *$88$1,056
Property Taxes $57$684
Electricity $121$1,452
Total$569$6,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$19,508/yr
40% on housing$17,070/yr
45% on housing$15,173/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: 17.9%
17.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -2.8%
-2.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$84This listing

vs Other Active Listings

Avg $/sqft

ZIP 50562$103
Palo Alto County$104

vs Homes Sold Last Month

Median $/sqft

ZIP 50562
Palo Alto County$81

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
2026-03-30Listed for sale$64,900
2008-09-30Sold$10,000

For Sale by Agent

AgentLori Jergens
BrokerageWinegarden Auctioneering

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