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202 North St, Zearing, IA, 50278

3beds
2baths
1,210sqft
$220,000
$182price/sqft
$1,714/moest. monthly cost
$68,560/yrincome needed

About This Home

Split foyer in excellent condition, new kitchen in 2017, new siding & roof 2023, new windows 2024. Small outside storage shed beside the garage. Quiet neighborhood. Furniture not included.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Construction

Condition

  • Year built: 1979

Materials

  • Foundation: Concrete
  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Garbage disposal,Microwave,Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Linoleum / Vinyl
  • Fireplace features: masonry
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Other
  • Cooling features: Other

Interior Area

  • Total interior livable area: 1,210 sqft

Property

Details

  • Parcel number: 0421212200

Features

  • Exterior features: Vinyl,Brick
  • Has view: Yes
  • View description: City

Lot

  • Lot size: 0.26 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached

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
    DroughtRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Drought
Cold Wave
Hail
Strong Wind
Tornado
Winter Weather

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 $1,112$13,344
Home Insurance *$200$2,400
Property Taxes $281$3,372
Electricity $121$1,452
Total$1,714$20,568
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,765/yr
40% on housing$51,420/yr
45% on housing$45,706/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: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 1.9%
1.9%
0%15.0%
Property Taxes Growth Rate2-year average: -1.8%
-1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 50278$227
Story County$203

vs Homes Sold Last Month

Median $/sqft

ZIP 50278$127
Story County$210

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
2025-11-22Price change$220,000
2025-08-20Listed for sale$224,000
2021-03-24Listing removed--
2016-07-13Sold$129,000
2016-03-14Listed for sale$129,900

For Sale by Owner

AgentProperty Owner

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