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320 N 2nd St, Carlisle, IA, 50047

2beds
2baths
1,481sqft
$249,000
$168price/sqft
$1,905/moest. monthly cost
$76,200/yrincome needed

About This Home

Welcome home to this charming ranch in Carlisle, with almost 1,500 square feet of finish on the main level. Beautiful hardwood floors flow throughout the main level, highlighting the spacious dining room and large living room filled with natural light. The living room features a cozy gas fireplace and custom built-ins, creating the perfect gathering space. The main level offers two good sized bedrooms and a full bathroom with tiled floors and shower. The kitchen provides abundant cabinet space, a gas stove, pantry, and a nice eat-in dining area for casual meals. The finished lower level expands your living space with a family room featuring durable tile flooring, a ¾ bathroom, and plenty of storage. You'll also find a bonus workshop, ideal for hobbies, projects, or additional storage. Easy attic access offers even more storage or the potential for future finished living space. Step outside to enjoy the newer poured concrete patio with a the fully fenced backyard—perfect for children, pets, and summer entertaining. The oversized two-car garage provides extra room for lawn equipment, tools, and additional storage. Located in a quiet neighborhood, this home offers the convenience of an easy walk to the local school and downtown Carlisle.

Getting Around

48
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
5/10
Carlisle Middle SchoolGrades 6-80.7 mi
8/10
Carlisle High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1924

Materials

  • Foundation: Brick/Mortar
  • Roof: Asphalt,Shingle
  • Construction materials: Brick,Metal Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Microwave,Refrigerator,Stove,Washer

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bedrooms: 2

Features

  • Separate/Formal Dining Room,Eat-in Kitchen
  • Flooring: Hardwood,Tile
  • Fireplace features: Gas,Vented
  • Fireplace: Yes
  • Finished area below ground: 700

Heating & Cooling

  • Heating features: Forced Air,Gas,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,481
  • Total interior livable area: 1,481 sqft

Property

Details

  • Parcel number: 39020030190

Features

  • Stories: 1
  • Patio & porch: Open,Patio
  • Exterior features: Patio
  • Fencing: Wood

Lot

  • Lot size: 0.25 Acres
  • Features: Rectangular Lot
  • Lot size dimensions: 91.00 x 120.00

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Two Car Garage
  • 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

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

How This Home’s Risks Compare

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

FEMA Declared Disasters Across Iowa Counties

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 $1,259$15,108
Home Insurance *$155$1,860
Property Taxes $370$4,440
Electricity $121$1,452
Total$1,905$22,860
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,314/yr
40% on housing$57,150/yr
45% on housing$50,800/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.3%
-1.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 50047$176
Warren County$216

vs Homes Sold Last Month

Median $/sqft

ZIP 50047$182
Warren County$215

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
2026-08-13Pending sale$244,000
2026-08-09Price change$244,000
2026-07-25Listed for sale$249,000

For Sale by Agent

AgentKelly Dunn
BrokerageSpire Real Estate

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