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101 S 1st St, Fertile, IA, 50434

3beds
2baths
3,031sqft
$465,000
$153price/sqft
$3,153/moest. monthly cost
$126,120/yrincome needed

About This Home

How often does a Midwestern creamery building come up for sale these days? One that's been around for well over a century, is in very good shape, equipped with new roof & siding? With a patio next to the beautiful Winnebago river? Down the street from an excellent restaurant called Cafe Mir? One that was a lively restaurant itself in the early 80s, as evidenced by the kitchen's commercial stove with hood & the little wooden stage next to traces of an old dance floor? Across the river from a fishing hotspot & picturesque park with a waterfall & big cottonwood trees? With a living space of almost 3,500 square feet and almost ½ acre of property? With a big, functional garage that needs plenty of love but has a newish roof? Just a 10 minute drive from beautiful Clear Lake, but with much lower property taxes? Just 8 minutes to Pilot Knob State Park, 20 minutes to Mason City, 1 hour & 40 minutes to the Twin Cities? A Midwestern creamery building chock-full of good vibes left behind by over a thousand guests hosted by the current owner from not only all across the US, but Japan, Egypt, Australia, Argentina, India, France, Italy, South Korea, Kenya, Denmark, England, Mexico, Hungary, Guatemala, Poland, Switzerland, China, Czechia, Germany, Ireland, Turkmenistan, Vietnam, Spain, & Canada? And with a cat door? The simple answer: not very often! This is your chance to add to the history of this special place.

Getting Around

10
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

9/10
Forest City Middle SchoolGrades 5-811.6 mi
8/10
Forest City High SchoolGrades 9-1211.7 mi
7/10

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Range,Microwave,Exhaust Fan,Dishwasher,Refrigerator

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Hot Water,Radiant
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,031 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 9335153004

Lot

  • Lot size: 0.37 Acres
  • Lot size dimensions: 138 x 119

Parking

  • Total spaces: 2
  • Parking features: 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

  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Drought
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $2,351$28,212
Home Insurance *$219$2,628
Property Taxes $357$4,284
Electricity $226$2,713
Total$3,153$37,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,102/yr
40% on housing$94,590/yr
45% on housing$84,080/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: 13.2%
13.2%
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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 50434$141
Worth County$122

vs Homes Sold Last Month

Median $/sqft

ZIP 50434$260
Worth County$69

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
2026-08-03Listed for sale$465,000
2011-12-02Sold$53,000
2011-07-29Listing removed$89,950,000
2011-07-28Price change$89,950,000
2011-06-25Price change$74,950
2011-05-24Price change$89,950
2010-12-05Listed for sale$104,900

For Sale by Agent

AgentAmelia Rose
BrokerageHall Realty

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