2408 25th St, Spirit Lake, IA 51360

3 bd · 1 ba · 1,120 sqft · built 1992 · Spirit Lake · MOBILE·source listing ↗

$89,000

seller intel

Motivation score

15/100

OnePercent model (vv1)$1,219/mo

p10–p90 confidence band

HUD Fair Market Rent · 51360 · 3BR$1,350/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Dickinson

Flood risk indexRelatively High FEMA NRI

Median household income$75,882

Median area rent$935/mo

Median home value$271,700

the verdict

1.37%vs 1.2% target

financing: 20% down · — (FRED, live) · 30yr

$89,000

1.37% · rent $1,219

Intrinsic value · income approach

$321,508

72% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.