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214 1st St, Keystone, IA, 52249

2beds
1baths
1,004sqft
$135,000
$134price/sqft
$1,049/moest. monthly cost
$41,960/yrincome needed

About This Home

Absolutely adorable ranch home in the quaint town of Keystone. Clean and cozy home with an oversized living area and updated kitchen and bath and attached garage. Deck off the side of the home for entertaining or relaxing. Roof is 4 years old.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
27
BikeSomewhat Bikeable

Schools

7/10
6/10

Construction

Condition

  • Year built: 1948

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Cooktop,Dryer,Microwave Built In,Refrigerator,Washer,Water Softener Owned
  • Laundry features: 1st Floor

Basement

  • Has basement: Yes
  • Basement: Slab

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Fireplace features: None
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Window Unit(s)

Interior Area

  • Total interior livable area: 1,004 sqft

Other

  • Level: Upper

Other

  • Level: Main

Other

  • Level: Lower

Property

Details

  • Parcel number: 09011900
  • Zoning: R1-SF
  • Special condition: Standard

Lot

  • Lot size: 2,613 sqft
  • Lot size dimensions: 50x50

Parking

  • Total spaces: 1
  • Parking features: Attached Garage
  • Covered spaces: 1
  • Carport 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

  • Hail
    HailRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Drought
    DroughtModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hail
Strong Wind
Drought
Tornado
Winter Weather

FEMA Declared Disasters Across Iowa Counties

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 $682$8,184
Home Insurance *$126$1,512
Property Taxes $120$1,440
Electricity $121$1,452
Total$1,049$12,588
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,965/yr
40% on housing$31,470/yr
45% on housing$27,973/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: 14.6%
14.6%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$134This listing

vs Other Active Listings

Avg $/sqft

ZIP 52249$199
Benton County$235

vs Homes Sold Last Month

Median $/sqft

ZIP 52249$66
Benton County$104

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
2026-07-28Price change$130,000
2026-06-11Listed for sale$135,000
2022-03-28Sold$100,000
2022-02-21Pending sale$100,000
2021-11-02Price change$100,000
2021-10-26Price change$105,000
2021-10-01Price change$110,000
2021-09-24Listed for sale$115,000
2021-07-21Sold$31,051
2010-11-16Sold$52,000
2005-07-20Sold$63,500

For Sale by Agent

AgentKelly Jo Fretto
BrokeragePinnacle Realty

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