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110 5th Ave NW, Fostoria, IA, 51340

5beds
2baths
2,512sqft
$195,000
$78price/sqft
$1,537/moest. monthly cost
$61,480/yrincome needed

About This Home

Your Next Chapter Starts in this classic 3-bedroom, 1 3/4-bathroom ranch home with a fantastic opportunity to add value! Nestled on a quiet lot in Fostoria, this property offers high functional layout with endless possibilities. Sit back and enjoy small-town living with a yard that's perfect for gardening, entertaining or just relaxing.

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

6/10
Okoboji Middle SchoolGrades 5-85.3 mi
5/10
Okoboji High SchoolGrades 9-125.5 mi
6/10
Okoboji Elementary SchoolGrades PK-45.4 mi

Construction

Condition

  • Year built: 1977

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Wood Siding,Stick Built

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Partial

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Fireplace features: Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,000
  • Finished area above ground: 1,512

Heating

  • Heating features: Forced Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,512 sqft

Property

Details

  • Parcel number: 973701454004

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 10,454 sqft
  • Lot size dimensions: 75 x 140

Parking

  • Total spaces: 2
  • Parking features: Concrete,Gravel,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
    HailVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Drought
    DroughtModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hail
Winter Weather
Cold Wave
Inland Flooding
Strong Wind
Tornado
Drought
Ice Storm

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 $986$11,832
Home Insurance *$207$2,484
Property Taxes $157$1,884
Electricity $187$2,248
Total$1,537$18,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,697/yr
40% on housing$46,110/yr
45% on housing$40,986/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: 10.9%
10.9%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$78This listing

vs Other Active Listings

Avg $/sqft

ZIP 51340$26
Clay County$100

vs Homes Sold Last Month

Median $/sqft

ZIP 51340$141
Clay County$122

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
2026-07-12Listed for sale$195,000

For Sale by Agent

AgentKim Bates
BrokerageBates Realty, LLC

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