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Single Family ResidenceResidential
$82,391$125 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

103 W MADISON ST

ROCK FALLS, IA 50467
2
Beds
1
Baths
660 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$82K
$67K low$98K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$39,151
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$31,321
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$43,240
IOWA BANKERS MORTGAGE CORP · recorded Jul 21, 2014

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$854 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$66,160 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,090
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$58,070
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$79,720
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$66,160

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.32
25
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
9
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
62
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
54
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Contemporary
CountyCERRO GORDO
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Central Springs Middle SchoolA-
Middle · Grades 4–8 · 5.9 mi
E
Central Springs Elementary School - Nora SpringsB+
Elementary · Grades PK–3 · 5.9 mi
H
Central Springs High SchoolA-
High · Grades 9–12 · 7.7 mi

District: Central Springs Community School District

Neighborhood · ZIP 50467These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.50
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.77
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.12

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.5%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.10
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,010
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86,455
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

103 W Madison St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 89% of homes in Cerro Gordo County
  • Costs less per square foot than 67% of homes in Cerro Gordo County
  • Smaller than 96% of homes in Cerro Gordo County

What homes are worth in Cerro Gordo County

Each bar is how many homes fall in that price range. The marker is this home.

This home
$76K$396K

This home is worth more than 9% of homes in Cerro Gordo County.

How it measures up in Cerro Gordo County

The dot is this home. The mark in the middle is the typical home in Cerro Gordo County.

Estimated value$82,391
CheaperTypical $205,625Pricier

Pricier than 11% of homes nearby

Price per ft²$125
CheaperTypical $161Pricier

Pricier than 33% of homes nearby

Living area660 ft²
SmallerTypical 1,290 ft²Bigger

Bigger than 4% of homes nearby

Lot size0.19 ac
SmallerTypical 0.19 acBigger

Bigger than 49% of homes nearby

Year built1954
OlderTypical 1953Newer

Newer than 52% of homes nearby

How 103 W Madison St ranks against every home in each area.
MeasureThis homeCerro Gordo County
Estimated valuepricier than$82,39111% of homes
Price per ft²pricier than$12533% of homes
Living areabigger than660 ft²4% of homes
Lot sizebigger than0.19 ac49% of homes
Year builtnewer than195452% of homes

About 103 W Madison St

How much is 103 W Madison St, Rock Falls, IA worth?

The TopHap Estimate for 103 W Madison St, Rock Falls, IA is $82,391 as of Jul 14, 2026. The likely range is $66,693 to $98,089. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 W Madison St, Rock Falls, IA last sell?

103 W Madison St, Rock Falls, IA last sold on Jul 21, 2014, according to the county's recorded deed.

How big is 103 W Madison St, Rock Falls, IA?

103 W Madison St, Rock Falls, IA has 2 bedrooms, 1 bathrooms, 660 square feet of living space and a 0.18-acre lot.

When was 103 W Madison St, Rock Falls, IA built?

103 W Madison St, Rock Falls, IA was built in 1954, making it 72 years old. It is a contemporary home. The building has 1 story.

What schools serve 103 W Madison St, Rock Falls, IA?

103 W Madison St, Rock Falls, IA is assigned to Central Springs Middle School (middle), rated A-; Central Springs Elementary School - Nora Springs (elementary), rated B+; Central Springs High School (high), rated A-. All sit in Central Springs Community School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 W Madison St, Rock Falls, IA compare to other homes in Cerro Gordo County?

Among the 18,910 homes in Cerro Gordo County, it is worth more than 11% of them ($82,391 against a typical $205,625), its price per square foot is higher than 33% of them ($125 against a typical $161), it is bigger than 4% of them (660 ft² against a typical 1,290 ft²), its lot is bigger than 49% of them (0.19 ac against a typical 0.19 ac) and it is newer than 52% of them (1954 against a typical 1953). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 103 W Madison St, Rock Falls, IA?

The 2025 property tax bill for 103 W Madison St, Rock Falls, IA was $854. The county assessed it at $66,160.

More homes on W Madison St

Closest homes

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Assigned schools

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