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105 N McKinley St, Truro, IA, 50257

4beds
1baths
1,382sqft
$199,900
$145price/sqft
$1,546/moest. monthly cost
$61,840/yrincome needed

About This Home

Welcome home to the charm and comfort of small-town living—where space, privacy, and convenience all come together. This inviting 4-bedroom home sits on two beautiful lots at the edge of town, giving you the rare combination of room to spread out and a serene backyard that feels like your own private retreat. With 1,382 sq ft of living space, there’s plenty of room to relax, gather, and grow. Just a short walk from local schools, the location makes everyday life easy. But the real showstopper? The impressive 24x36 outbuilding. Whether you need extra parking, a workshop, a studio, or a home for all your toys, this space delivers—complete with its own attic for even more storage. If you’ve been searching for a home that offers comfort, space, and the peaceful setting you’ve been dreaming of, this is the one. Come see why life feels a little sweeter here.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
7/10
6/10

Construction

Condition

  • Year built: 1880

Materials

  • Roof: Asphalt,Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: One and One Half Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Stove
  • Laundry features: Main Level

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Cooling

  • Cooling features: Window Unit(s)

Features

  • Flooring: Carpet

Interior Area

  • Total structure area: 1,382
  • Total interior livable area: 1,382 sqft

Property

Details

  • Parcel number: 890000402070000
  • Zoning: Res

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Open,Patio
  • Exterior features: Patio

Lot

  • Lot size: 0.40 Acres
  • Features: Rectangular Lot

Parking

  • Total spaces: 1
  • Parking features: Detached,Garage,One Car Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Drought
    DroughtVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Drought
Strong Wind
Tornado
Cold Wave
Hail
Heat Wave
Inland Flooding
Ice Storm
Lightning
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 $1,010$12,120
Home Insurance *$122$1,464
Property Taxes $293$3,516
Electricity $121$1,452
Total$1,546$18,552
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,005/yr
40% on housing$46,380/yr
45% on housing$41,226/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: 12.7%
12.7%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -4.5%
-4.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$145This listing

vs Other Active Listings

Avg $/sqft

ZIP 50257$255
Madison County$217

vs Homes Sold Last Month

Median $/sqft

ZIP 50257$141
Madison 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)

No zestimate history available

Price History

DateEventPrice
2026-04-14Price change$209,900
2026-02-11Price change$212,000
2025-11-14Price change$215,000
2025-10-06Price change$217,500
2025-09-08Listed for sale$219,000
2003-11-24Sold$74,900

For Sale by Agent

AgentSandy Delzell
BrokerageIowa Realty Indianola

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