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309 John St, Decorah, IA, 52101

3beds
2baths
1,439sqft
$129,900
$90price/sqft
$1,027/moest. monthly cost
$41,080/yrincome needed

About This Home

Bring your ideas and unlock the potential at 309 John St in Decorah! This spacious 3-bedroom, 2-bath home offers a great opportunity for buyers ready to invest some TLC and make it their own. With cement board siding and vinyl replacement windows already in place, some of the heavy lifting has been started. Inside, you’ll find hardwood floors waiting to be refreshed, a practical main floor bedroom and laundry; a flexible layout with room to grow. The home features both a welcoming covered front porch and a relaxing rear screened porch—perfect for enjoying the peaceful surroundings. Situated on a generous, wooded lot of over a quarter acre, the setting feels private and park-like, yet you're just blocks from schools and downtown Decorah. A solid opportunity for renovation, customization, and building long-term value. Call today!

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

8/10
Decorah Middle SchoolGrades 5-80.3 mi
8/10
Decorah High SchoolGrades 9-120.4 mi
9/10

Construction

Condition

  • Year built: 1880

Materials

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

Type & Style

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

Interior

Appliances

  • Laundry features: 1st Floor,Laundry Room

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Fireplace features: None
  • 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: 1,439 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 111535100400
  • Zoning: R-3
  • Special condition: Standard

Features

  • Patio & porch: Covered,Screened

Lot

  • Lot size: 0.26 Acres
  • Features: Wooded
  • Lot size dimensions: 94x120

Parking

  • Parking features: None

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
  • Hail
    HailRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Hail
Tornado
Winter Weather
Inland Flooding
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 $656$7,872
Home Insurance *$84$1,008
Property Taxes $166$1,992
Electricity $121$1,452
Total$1,027$12,324
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,211/yr
40% on housing$30,810/yr
45% on housing$27,386/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

$90This listing

vs Other Active Listings

Avg $/sqft

ZIP 52101$215
Winneshiek County$186

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

No price history available

For Sale by Agent

AgentBenjamin T Harman
BrokerageHarman Realty

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