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2493 River Rd, Decorah, IA, 52101

3beds
2baths
1,372sqft
$349,900
$255price/sqft
$2,418/moest. monthly cost
$96,720/yrincome needed

About This Home

Accepted offer - but looking for back-up offers! Immaculate Home with Incredible Heated Garage on Nearly ½ Acre! This exceptionally clean 3-bedroom, 2-bath home sits on an almost ½-acre lot in a desirable location near the Upper Iowa River and bike path in Freeport. A major home renovation in 2010 included new vinyl siding, windows, kitchen, utilities, bathroom/laundry room. The cozy living room is the perfect place to relax by the fireplace. The standout feature is the impressive 2,500 sq. ft. garage/shop, built in 2013. It includes in-floor heat, air conditioning, a full kitchen, half bath, floor drain, and a second story that could serve as a bedroom (would need a window), plus a third-story storage area. Whether you're looking for space for a home business, workshop, or all your hobbies, this garage offers endless possibilities. Outside, enjoy mature shade trees, a dedicated garden space, and plenty of room to spread out. A rare opportunity to own a beautifully maintained property with exceptional indoor and outdoor space! Bonus - the seller is offering $10,000 back at closing toward new shingles for the house. Call your agent today to take a closer look at this property!

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
Decorah Middle SchoolGrades 5-82.3 mi
9/10
Decorah High SchoolGrades 9-122.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Shingle,Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Free-Standing Range,Refrigerator,Water Softener Owned
  • Laundry features: 1st Floor,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Stone/Rock

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s)
  • Fireplace features: One,Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total interior livable area: 1,372 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 111330700600
  • Zoning: R-2
  • Special condition: Standard

Features

  • Levels: Two
  • Patio & porch: Porch
  • Exterior features: Garden

Lot

  • Lot size: 0.46 Acres
  • Features: Corner Lot
  • Lot size dimensions: 200' x 100'

Parking

  • Total spaces: 3
  • Parking features: 3 or More Stalls,Detached Garage,Garage Door Opener,Heated Garage,Oversized,Workshop in Garage
  • 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

  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

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

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 $1,769$21,228
Home Insurance *$228$2,736
Property Taxes $300$3,600
Electricity $121$1,452
Total$2,418$29,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,902/yr
40% on housing$72,540/yr
45% on housing$64,480/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: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.8%
0.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 52101$208
Winneshiek County$181

vs Homes Sold Last Month

Median $/sqft

ZIP 52101
Winneshiek County$145

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
2026-08-06Pending sale$349,900
2026-07-27Listed for sale$349,900

For Sale by Agent

AgentMarcia Madrigal
BrokerageKelly Real Estate Inc

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