405 W Main St, Fertile, IA, 50434
About This Home
Time to slow down, relax, and take in the peaceful Winnebago River views from this charming 2-bedroom, 1.5-bath home offering 1,032 sq ft of comfortable, one-level living. Step inside to an open-layout design that makes the home feel bright, connected, and easy to live in. The thoughtful floor plan keeps everything on one level for convenience, while the full unfinished basement provides excellent additional storage or the potential to create a future family room, workshop, or hobby space. A detached 2-stall garage adds even more storage flexibility or room for projects. Outdoors, the spacious backyard opens to beautiful views of the river and local wildlife — a perfect setting for morning coffee, evening unwinding, or simply enjoying nature. Whether you're looking for a cozy full-time home or a peaceful getaway, this property offers comfort, simplicity, and a setting that’s hard to beat. For more details or to schedule a private tour, contact a Realtor.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1962
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedroom2
- Level: Main
- Area: 120
- Dimensions: 10 x 12
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 120
- Dimensions: 10 x 12
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total interior livable area: 1,032 sqft
Kitchen
- Level: Main
- Area: 132
- Dimensions: 11 x 12
Living Room
- Level: Main
- Area: 204
- Dimensions: 12 x 17
Other
- Level: Main
- Area: 156
- Dimensions: 12 x 13
Other
- Level: Main
- Area: 55
- Dimensions: 11 x 5
Other
- Level: Main
- Area: 30
- Dimensions: 5 x 6
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 0010934257003
Lot
- Lot size: 0.25 Acres
- Lot size dimensions: 66 x 165
Parking
- Total spaces: 2
- Parking features: Gravel,Concrete
- 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
- Cold Wave
- Drought
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
How This Home’s Risks Compare
FEMA Declared Disasters Across Iowa Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $970 | $11,640 |
| Home Insurance * | $90 | $1,080 |
| Property Taxes | $183 | $2,196 |
| Electricity | $121 | $1,452 |
| Total | $1,364 | $16,368 |
Income You'd Need if You Spent...
Iowa FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-14 | Listed for sale | $192,000 |
| 2019-11-05 | Sold | $160,000 |
| 2019-08-07 | Price change | $169,900 |
| 2019-03-06 | Price change | $179,900 |
| 2019-02-27 | Price change | $182,000 |
| 2018-09-01 | Listed for sale | $189,500 |
| 2018-03-30 | Sold | $85,000 |
| 2018-03-20 | Pending sale | $95,000 |
| 2018-01-10 | Price change | $95,000 |
| 2017-11-03 | Listed for sale | $97,000 |
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