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2809 Home St, Sioux City, IA, 51109

2beds
2baths
906sqft
$189,000
$209price/sqft
$1,480/moest. monthly cost
$59,200/yrincome needed

About This Home

Remodeled 2 bedroom 2 bathroom home with all updated pex plumbing, new sewer lines, newer furnace and new vinyl siding. New front and rear decks. Kitchen and both bathrooms fully remodeled as well. Price includes building an oversized 1 car garage 12ft x 25ft for new owner prior to closing (can upgrade garage size as well). This turn-key house is ready for its new owners to move right in ! Seller is a licensed agent

Getting Around

43
WalkingCar-Dependent
19
TransitMinimal Transit
37
BikeSomewhat Bikeable

Schools

4/10
5/10
West Middle SchoolGrades 6-81.6 mi
3/10
West High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1930

Materials

  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Water Softener: None

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 65
  • Finished area above ground: 841

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 906
  • Total interior livable area: 906 sqft

Property

Details

  • Parcel number: 894814402003
  • Zoning: Res
  • Zoning description: Res

Lot

  • Lot size: 0.25 Acres

Parking

  • Total spaces: 1
  • Parking features: Detached,Crushed Rock
  • Has garage: Yes
  • Attached garage spaces: 1

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
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Tornado
Cold Wave
Hail
Ice Storm
Strong Wind
Winter Weather

FEMA Declared Disasters Across Iowa Counties

Flood
Severe Storm
Winter Storm

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 $955$11,460
Home Insurance *$145$1,740
Property Taxes $259$3,108
Electricity $121$1,452
Total$1,480$17,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,742/yr
40% on housing$44,400/yr
45% on housing$39,466/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 1.4%
1.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$209This listing

vs Other Active Listings

Avg $/sqft

ZIP 51109$80
Woodbury County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 51109
Woodbury County$129

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)

Price History

DateEventPrice
2026-05-02Listed for sale$189,000
2025-11-03Listing removed$159,900
2025-10-20Price change$159,900
2025-09-04Price change$164,900
2025-07-08Price change$168,000
2025-06-20Price change$170,000
2025-06-10Listed for sale$175,000
2024-07-31Listing removed--
2024-01-24Listed for sale$160,000
2021-07-30Sold$56,000

For Sale by Agent

AgentJesse Derrick
BrokerageRiverstone Realty

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